According to the examples I gave above, it would take 4X that 1.9 hour bulk charge to get from ~ 89% to full, and 2X that 3.8 hour bulk charge. This, again, proves chargers with preset parameters do not have what it takes to get the job done, under anything other than 'preset' (predetermined) dod's.
In this particular case, I would be forced to do 50% dod's, just to get the bank fully charged using that 2X time factor... thus decreasing battery life, either by chronic undercharging, or deep discharging.
No predetermined 'factory formula' will do.