Thirdy, whilst charging, lithium
battery voltage is nearly always higher than LA, this voltage increase actually
reduces charge current in LFP compared to LA, so typical alternator charging currents are lower for lithium than new lead acid.
Although I think your other points and your conclusions are correct, this point is not, according to my experience.
I have a li-ion
battery running in parallel with two agm batteries. They are charged by the same b2b charger, but I monitor the
battery terminal voltages and the currents in and out of each
battery bank separately.
Typically, when they are on charge, the Li-ion
battery takes the lion's share of the charge, but due to voltage losses in the charging cables (they're only 25mm) the li-ion
battery is at a lower voltage than the other two, not higher.
When the charger gets past the bulk stage, the Li-ion BMS starts to have an influence and the
battery voltages tend to even out.
After the charging stops, there is generally a bit of current flowing from the Li-ion into the AGMs, and when charging resumes, the Li-ion gets more current again.
They work really well together. The Li-ion tends to do almost all of the day-to-day work, but after a long time (several days) of draining with no charge, when the Li-ion is getting empty, its voltage drops to where the AGMs are able to help.
Note that my 12v use is all low current loads. Nothing big. The biggest is probably the water pump, which doesn't run often.
It might be different if I used a big
inverter or a 12v fridge.