The current drain is a little higher than 3ma if the ACR's 175 ma current draw is included. Over a 24 hour period that's about 4ah, for a large battery that is frequently recharged, it is fairly negligible. On the other hand for weekend warrior sailors with smaller banks that draw of 40+ ah is more substantial.
The bigger issue with using an ACR is the mismatch between charging profiles for LFP and LA. The ACR will leave the LA battery chronically undercharged. While the absorption voltage for some AGMs comes close to matching the absorption voltage for LFPs, LFPs spend little time at absorption voltage. This can lead to LA batteries sulfating and living a short life.
The better solution is a DC-DC charger that can match the LA battery's charging profile. A small 18a Victron DC-DC charger does not cost much more than an ACR and will lead to longer battery life. The charger only draws 80 ma under no load, thus the parasitic load is lower than the ACRs.
That is a good point about the ACR draw. I just measured ours and it is 120mA. I suspect the 175mA spec is a maximum possible. So that is 2.8Ah over a 24h period. Compared to the example of the DC-DC parasitic load, the ACR is using <1Ah more per day.
If one is concerned over <1Ah per day, particularly with LFP batteries, then one has made a mistake in their design and outfitting.
Your bigger issue is again a theoretical one that appears to not be based on actual practical measurements. Let's examine it closer with practical experience.
LFP manufacturers give charging recommendations of 14.4-14.6V. Some of them recommend a short absorption period, while others do not. Most of them recommend a float voltage of 13.5-13.8V. (As an aside, I've never seen a manufacturer's recommended charge routine I agreed with).
So it is not true that there is a large mismatch between LA and LFP charging profiles. This is even more acutely so for start batteries, which are never run below 99.9% SOC when starting an engine. Even hard start engines will leave the start battery at 99% SOC.
Not to put too fine a point on this, but automobile alternators charge at a continuous 14V all day long. Car batteries seem to have no problem with this "chronically undercharged" profile.
Moving on to actual practice, our $50 Walmart start batteries are solely charged by whatever they take from the LFP. They never see more than 13.8V, and spend most of their time at 13.2V. They are now 6yrs old and still cranking hard. They show no sign of chronic undercharging or sulfating. If they crap the bed tomorrow, then I'd consider 6yrs a good lifespan.
I would also wager that they would not live any longer on a DC-DC charger.
Mark
Edit: I meant to make the point that we use programmable ACR's, so they can shut down and turn on at any arbitrary voltage chosen for them. I do have them shutting down at 13.0V, but if I made that higher, then the parasitic draw would be almost nothing whenever an active charge source wasn't active.