What is the IQ of your 'Smart Charger'?
I will offer this situation to you.I have 4 Trojan T-120 like you. I have my original Guest 30A automatic charger. This charger is designed to switch from a 'bulk' mode to a 'float' mode when the batteries are nearly at full charge. (Yes I know that the Guest charger is not highly regarded, but it is a multi-stage device)This works OK for a battery bank that is 100-200 AH in size. However for a bank of 440AH there is a problem. The switching mechanism from bulk to float on this charger depends upon the charging current into the batteries. On this particular charger, the trip point is about 4-4.5 amp. This means that as the batteries become nearly charged and the charging current into the batteries drops to below 4A, the charger switches to the float mode. It stays in the float mode until the charging current becomes greater than 4A due to the battery's discharge.Here is the problem: When flooded lead acid batteries reach full charge, the charging current drops to about 1-2% of the bank capacity at a charge voltage of 14.4V (this is about the bulk charging voltage). For a small bank, that is 2-4 amps. This is low enough for the charger to switch to the float mode. However, for a larger bank like 440 AH 1-2% is 4.4-8.8 amps. At this charging current the 'smart' charger 'thinks' that the batteries are still not fully charged and does not switch to the float mode.Instead it continues to charge the batteries at the bulk voltage and the batteries eventually cook and boil dry. This is a good reason NOT to leave the battery charger connected 24/7.My first set of 6V golf cart batteries fell victim to this situation. Yes, I could have avoided this with more frequent electrolyte checks on the batteries, but I failed to do so.Bottom line- make sure that your charger is the correct size for the bank you are charging. Just because you have a 'smart' charger doesn't mean that is it a genius.I agree that for the conserns of electrolysis that it is definately a BAD idea to stay plugged in all the time.