Regulators
BradIf I understand your post, the Heart Interface charges your batteries on shore power (or 120V generator), but does not regulate your alternator. All alternators must have regulators. Unregulated, your boat (or car) alternator can put out hundreds of volts. The stock alternator supplied with your Yanmar probably has an automotive type regulator built in. These regulators do a great job of keeping a starting or car battery charged, but are totally inadequate for a cruising sailboat. If your gels are discharged to, say, 50% and you are recharging using the stock alternator and regulator,you will see a decent charge rate for ten or fifteen minutes after starting. But after that the regulator will taper the charge to, as you observed, about 12.8V - 13.2V. At that voltage the charge rate will be low and your batteries will only reach full charge after many, many hours of running - probably never. The three stage regulator raises the charge voltage to 14 - 14.1 for gels (14.4 or so for flooded) batteries if it can, and maintains that voltage until the current accepted by the batteries falls to some low level (say 4 or 5 amps). At that point, a smart regulator will drop the alternator output voltage to 13.7 or so for gels, and 13.2 or so for flooded batteries. At these voltages charge is maintained. This keeps the batteries from over charging. The whole point of the smart regualtors is to charge the batteries as quickly (read that efficiently) as possible without overcharging.Old design, externally adjustable regulators could be set to maintain only one voltage. So to be safe, they were often set at about 13.2 to 14 volts so that charge rates were about 10% to 20% of total battery capacity (40 to 80 amps for a 400 amp-hr bank). These compromise settings were chosen so as to not ruin batteries from over charging. Flooded batteries can safely accept much higher charge rates (40-80% of battery capacity)in the early part of the charge cycle. Todays mega alternators can put out that kind of amperage, and with a modern regulator not cook the batteries when they are fully chaged.Smart regulators are NOT NECESSARY for gel batteries, but will improve the performance of the system. Just be sure that gels never see more than 14.1 volts.