Pickjare,
You got a lot of real good answers here.
I am a ship's engineer and did a lot of pleasure boat work before the depression shut us down.
Things I second:
Put the battery disconnect in the positive cable.
0.7 volts drop charging at 20+ amps is not a surprise. It isn't good, but it is the direct result of manufactures not spending money on copper where it is needed.
My PD units (several - one is even a 9140w/wiz) have red and black terminal, the lead colors can be anything at all as long as it is not confusing.
With a clamp-on meter it is easy to get confused as to the current direction, but if you are seeing over 12.7 and the correct polarity at the bank, everything is good.
The fact that you started with 12.33 and saw 21A, means you do have a voltage drop in our system.
Discussion of possible corrections:
As Said, put the battery disconnect in the positive cable. You can have the cable from the PD there, but nothing else at all should be direct at the battery side of the switch and only put the converter there if you will want to charge the house bank in storage.
Here is a useless link that everybody uses.
Ancor 3% Voltage Drop The problem is, it is for 3% and it is only one way and DC circuits all have TWO conductors. So start out be doubling the conductor length. Then think about that 3%. That 3% at 14.4V is 0.43V. With your T105s (Good Choice) at 50%SOC that will be the difference between ~40amps charge rate and 25amps charge rate or about an extra 4 hours of charge time to 90% SOC.
If the PD is not just the other side of the panel from the house bank, you will need to add a bunch of copper. Remember, you only have to buy it once, but you will pay for not having it as long as you keep that RV. If you ever try to recover the bank from a generator, this will make a huge difference.
Sorry this is so long, but I found that when I explained the complete situation to owners, they were more receptive to correcting the problems the better way.
Matt
Matt & Mary Colie
A sailor, his bride and their black dogs (one dear dog is waiting for us at the bridge) going to see some dry places that have Geocaches in a coach made the year we married.