Most solar panels used for charging 12 v batteries have an open circuit output voltage of about 22 volts. ....
Okay, I must be missing something here. I'm not sure if a diode is a good thing or not in the OP's case. It doesn't seem to me that we even have enough information to take much of a stab at the question of which is better, diode or not.
First, we don't don't know the voltage of the panel. The OP could probably read the specs off the back of the panel or count the cells and tell us the open circuit voltage. But, we're talking about a very small and, I presume, inexpensive panel and, as a worst case, it could be a 30 cell device... Add a diode and a hot summer day a little shading from the rig and put the panel flat on the deck and you've got yourself a door mat. At best, 22 volts is just nominal and even in ideal conditions will be much larger than the average voltage over a day. In a perfect world mean open voltage over the daylight hours might be 15.5 with a nominal 22 volt panel, less than 13 with an 18 volt panel and in the real world the averages and peaks are going to be a good deal less yet.
Second, the question is: is it better to put in a diode or not. And to answer that we need to know what the current draw is of the dark panel. To know that we need to know the construction type of his panel and the environmental conditions. It is going to be a small number, probably on the same order as the loss from the diode. But more or less? I don't know and I don't think it is a given. For example, my Kyocera panels specifically say that they don't have a blocking diode and that they don't need one. For the OP it might not be too difficult to set up a test to measure the draw from the cell in the dark.
In short, it seems to me that we don't know the input voltage and don't know what the power loss over a typical day would be with a diode and we don't know the night time draw for the panel... GIGO for the numbers. The literature that I've read on this comes to mixed conclusions -- you may or may not loose more power to the diode than you will to the night. Yes, a diode is cheap, but it might make a marginal system not work at all and there is no guarantee that you will gain anything. You'd need to test or simulate the circuit to know. Even if you do gain something it might not be enough to be worth the drive to Radio Shack...
I do agree that if the panel already has a diode putting anther one into the circuit would be all bad.
--Tom.