Same type batts, a smaller bank in AH has higher R than a bigger AH bank. The same charger current will get that smaller bank to Vabs sooner than with a bigger bank. (same current/smaller bank = higher charging rate percentage)
The AGM with lower R acts like a bigger bank in a way (even though it has same AH as the Wet) so the same current takes longer to get to Vabs
Staying within AGMs you have the same as my ugly graphs (above somewhere) that shows a higher charging rate means lower SOC when hitting Vabs. Just that with AGMs the absorption curve would be farther to the right (and steeper down) and all the SOCs for Vabs would be higher, with longer bulks and shorter absorptions.
So it is the same with AGMs, that there is a diminishing return in going higher in amps, because that absorption curve still goes up to the left.
Mr Wizard, I think this is all valuable because without all this discussion, people might imagine that they will get more amps from their converters if only they swapped to AGMs.