FWIW, I just set up a Xantrex Freedom SW 3012 and the parameters I set are Battery bank capacity, 2 or 3 stage charging, bulk voltage, absorb voltage, absorb time, float voltage, and temperature compensation, along with alarm settings, etc. Sounds reasonably smart to me.
Another point is that I have seen completely dead batteries test at 12.5 volts- batteries that would power a very high impedance input to a meter, but not a #57 clearance bulb. I have not ever worked on a frozen battery, but I would much rather the charger default to the non-explosive mode is there is any doubt.
That's just me though.