Okay, lowering the fan CFM made no discernable change in the high voltages. Hypothesis invalid.
It appears that having reduced my overall capacity, and having a fresh battery under load whilst charging is allowing the cycling accessories to spike the voltage when they shut off.
My claim that the 12 amp setting allows this charger to work well as a converter is no longer valid with the changed variables of less battery capacity and a new battery too.
I did get it to stop before 15v on its own but it required shutting off my fridge and mattress heater pad. When the pad was turned back on, the 6.2 amp load of it cycling off and on allowed the voltage to jump up to 15, and when it comes back on it drops to 13.2, and the cycling fridge on top of this is another monkey wrench in the gears. I did not forsee this issue when I decided to lower my overall capacity and am not quite sure how a new battery plays into this scenario either. I knew th evoltage jumped around before, but it was between 13.3 and 13.8, now it is 13.1 and 15.3 with the cycling.
So now, Iota, Powermax or PD?
Just kidding, don't answer that.
Since i have no experience with a real converter, I can only suspect they are much more resilient to cycling loads in regards to voltage they hold the battery at. Guess it is time to click that place order button, on one of the three brands I am considering.