It all depends on the temps. If they are full and disconnected in say November and the temps stay cold you'll still likely be in the low 90% range by April. If the temps are warmer self discharge happens faster. If they are AGM or GEL charge them and forget about it until spring.Question - I live 4 hours away from my sailing grounds so charging up the batteries occasionally throughout the winter is not possible if left on board. If they're topped up after winterizing, will they be alright over the winter or (and I probably already know the answer to this) do I need to bring them home for storage and maintenance? Some folks in our yard leave them on board with the boat plugged in charging all winter long but I question that practice. Not sure if the yard "allows" that but it is done by some.
If they are flooded, and you can't get there at all, probably best to bring them home. I know some that leave an "umbilical cord" hanging from the boat and have friends who live closer plug it in while they are in the yard working on their boats. They leave the boat set to charge and when the cord is plugged in the charger turns on. Ideally I would prefer a small solar panel and controller, but they can become blocked with snow.
One of my customers who's boat I just winterized does the umbilical cord trick and I will plug her boat in when I am near by for a day or two then disconnect. You need to have a charger that does not act as a "parasitic load" though when not plugged in. Some cheap portable chargers actually "bleed" off your bank while not plugged in.