That's how I see it Brian. I will occasionally work on large battery banks in power stations and they are always on a charger running in float mode of around 135v on a 120v string. Usually 10x 12v in series. The chargers often have automatic equalize function to put out around 141v for an hour or a little more say once a week - depends what the guy setting things up decided. These flooded cell batteries will go many years like this, problems after 10 years is thought of as a defect of some kind. So running a solar charger at 12v for the entire life cycle of a battery should not be an issue.
I am not opposed to a battery disconnect but for long life of a battery a small trickle charge is still a good idea. In the shed the power is close by so I put the smart charger on occasionally. Even if a guy has no power in a shed it is not expensive to put a few solar panels up feeding into some batteries and a 1000w inverter to give you 120v ac for occasional use and run some trickle chargers. Or do the solar charger thing with a long cord through the wall from panels to battery if that is all you want power for.