Again, thanks to everybody for being patient with my questions!
First, for now I'm satisfied with the WFCO's charge rate. At some point and time, if I start boondocking, I'll probably seriously consider swapping out the WFCO for a PD or Iota. My post was more of an exercise in understanding the charge process and all the electrical relationships than anything else. Definitely accomplished that, thanks!
Secondly, I called WFCO tech support this morning and told them about this very common complaint about the WFCO converters not being able to go into the 14.4 bulk mode. Of course, I probably didn't completely understand his somewhat technical response, but I did get an answer that made some sense to me. He said the WFCO (8955??) has to see approx. a 60-61 amp load or a voltage drop to roughly 12.5 vdc before it will go into bulk mode. He said you could do this artificially (or as I would say, by brute force--lol!) by turning on 60-61 amps worth of 12 vdc lights and appliances. When I asked him why a typically discharged battery would not place the WFCO into bulk mode, he kinda hesitated and said the WFCO was not designed to be an "automotive type of charger" . . . interesting.