I'm looking for some advice regarding a 48v + 12v electrical refit for my sailboat. My design tentatively will be a 48v house bank (~400ah), and the existing 12v system will be powered by 48vDC-12vDC chargers with a single 12v-100ah LFP battery as a buffer. Solar will be in the mix here too, likely with the MPPTs connected to both banks (flexible 12v panels to the 12v system; large ridged panels to the 48v side). Alternator will be upgraded to a 48v-130a with either Wakespeed or the new Arco regulator.
My question is regarding the charging of the 12v bank from the 48v bank - what is efficient enough that it's not going to be a battery drain and is reliable. I have 2 solutions available today - 1. Victron MPPT controllers to do the DC-DC conversion, but they must have current limits below their rated output for longevity since they're not really designed for this. 2. The new Mastervolt 48/12-50a battery charger, with the downside being it's twice as expensive as Victron MPPTs and no integration with Victron monitoring (Cerbo, etc). 3. Just to cover my bases here, I am aware of the Victron 48/12-30a DC-DC *converter*, but this is not a battery *charger* as they have no 3-stage charging algorithm (so it's not really going to work properly with a 12v LFP battery) - this is a mysterious gap in Victrons product lineup, I would think they would want to promote 48v mobile systems.
I'm trying to figure out if either of these charging solutions will be an annoying constant power drain on the 48v bank. When the chargers are in Float mode, what sort of power consumption are they utilizing? When running small 12v loads (LED lights, 12v fridge, etc) will loads be pulling amps from the chargers or the 12v LFP? When running a large 12v load (windlass, electric winch) that will require some of the load to pull off the battery, will the chargers also feed what they can to this load, or do they only kick on once the battery voltage sags enough?
Thanks!