Unless an AGM runs around constantly at 60% charge, the .5% factor is not a serious issue. Batteries that maintain 80-90% soc with periodic full charging are nowhere as stressed as those that are deeply discharged.
Gotta remember the millions of vehicle AGMs running around under similar operating conditions that manage to eke out very long lifespans.
It's the cycling that takes it's toll. Unless a busload of leeches have been attached to the engine starting battery circuit the parasitic draw can be assumed to be moderate at worst unless measured and proven in error.
Have to remember the Reality Rule. If AGM batteries failed that often in chassis duty, then Fullriver, Odyssey, Concorde, and the Spiral gangs would have gone chapter 7 decades ago. Cars in broiling summer bumper to bumper traffic cycle their batteries. To disqualify a battery because of not meeting absolute optimum operating conditions is frankly going a bit overboard. A 65 wet is going to cost more per mile driven than a regular AGM. The 135 dollar price tag at Wal-Mart really skews the factorials. The average 65 lasts 3-4 years in service. That to me is pricey. I asked Carol at RAMCAR if the DEKA unit had a high morbidity. She said "No". But their regular 65 was cranky. No one will buy a low CCA 65. It's all 825 CCA and Doctor Kevorkian with the wet 65's --- they truly are a bad design.
Ford, and their lunatic designers forced the 65 on the world because when the longhairs got finished with "what sells the units" a group 27 would not fit. And they were facing stuffing an International Harvester 6.9 engine into some models.
GM is not innocent. The side terminal batteries were morphidite designed for exactly the same reason -- styling constraints. Fun huh? Just like GM's aluminum battery cables.
I own a MoPar K car. And it has yet another funny farm model battery, the group 34. Insane? There is nine inches of clearance between the top of the battery posts and the hood. The 34 is yet another starvin' marvin design. A group 27 with TWICE the power at 90% of the cost of the 34 is going to replace the 34. I may or may not go AGM with the 27. The car like Landyacht's has a Nightmare On Elm Street grade. computer voltage regulator.
My fussiness means I demand something that will do a personalized satisfactory job for me at the lowest cost per day or electrical measurement unit. I could have gone Fullriver, or Odyssey, or whatever AGM for my UPS but I honked out another sixty dollars and guess what -- after almost eight years that Lifeline retains 98+ percent of original amp hours storage capacity.
Find a 600 CCA wet 65 for Naio, and you will change my mind. That is if the battery costs 100 dollars or so. And as a parting shot, they don't make golf car and industrial batteries with mammoth size electrolyte capacity for fun. This is why amp hour per amp hour an L-16 will vastly outlive a scrubber battery even though plate thickness is not a huge difference.