Well, It is hard to go by voltage alone, to judge the battery state of charge. Low readings might be because the door is open and some electronics powered up with that open door, or a partially sulfated older battery, or it could just be far from fully charged if otherwise healthy and not too cold as suspected or some and any degree of all three.
Have a hydrometer? I like the OTC4619. No hydrometer or desire to use one?... put a charging source on the battery, see how many amps the battery accepts once it reaches higher voltages. If it accepts a lot of amperage, it is not anywhere near fully charged. No Ammeter, well then you are nearly blind, as voltage alone is not really informative as to the battery health, or state of charge.
How many amps are flowing into the battery when charging, at what voltage is very informative, seeing just 14.4, is not. A battery accepting 45 amps at 14.4v is nowhere near fully charged, a battery acccepting only 0.4 amps at 14.4 is very likely fully charged. No Ammeter? You're blind
Likewise observing a battery maintaining 11+ volts under a 4 second 140 amp starter load is informative, seeing a battery holding at 12.2v and not knowing if it is powering a load, or was just powering a load, and not knowing the size(amperage) of that load, is not informative. So knowing the amperage flow, at the battry voltage is informative, but voltage alone is not, and can be very misleading.
Voltage is ONLY accurately representative of state of charge on a battery that has NOT seen any discharging loads or charging sources for many hours. And some batteries full charge rested voltage might be 12.62v, some might be 12.74, and some AGMs might be as high as 13.16v. With experience one can make accurate guesses regarding voltage and state of charge of a specific battery, but blanket statements like 12.54 volts = 74% charged should be avoided unless verified by earlier hydrometer nd voltage readings taken when that exact specific battery was newer, and at teh same temperature.
So Unless one actually fully charged the specific battery when it was new, waited 24 hours, then measured the voltage, then one cannot say '12.5 volts, thats only 72% charged!!' Well they can say it but will likely be quite inaccurate. Surface charge can also stick around a lot longer on a new healthy battery, so even this attempt at being more precise, can be marred.
A abttery low on electrolyte, even if slightly below the tops of the plates can also seem to be performing very well in the voltage retention department. But top it off with distilled water and that voltage tanks. Most people who suspect the battery health, and find low water levels, refill it, soon wind up buying a new battery.
Watch voltage as you drive to see whether your vehicle is always keeping charging voltages of 13.6+, or sometimes it just allows the battery to drop to the 12.7v range.
Cars that are not intending to eek out more MPGs by intentionally undercharging the battery so that it can then accept higher am when the voltage regulator commands higher system voltage, will usually seek mid 14volts right after starting, then drop to mid to higher 13s within a few minutes. Do not be one of those people who starts an engine, sees 14.4v and assumes that it the voltage always held.
Cars that are trying to meet CAFE standards through manipulating the charging system to the detriment of the battery, will allow batery voltage to drop into the mid 12's driving at a steady speed and just sometimes go higher, usually coasting or braking but some other times in between too. This board could use more data as to what vehicle and model years are using this battery destroying method of attempted CAFE compliance, and when mid 12's are allowed and when mid 14's or voltages in between are allowed. I've only witnessed it personally on two later model GM vehicles.
While the cheap ciggy plug digital voltmeters can read low if there are other significant loads on the shared wiring that also feed the ciggy plug, one can still get a good idea of what the vehicle's voltage regulator is doing as one drives. Better would be a dedicated Voltmeter right to the battery terminals. My first voltmeter I had to watch while I was driving, was a $2.99 cen-tech harbor freight DMM with a ciggy plug spliced into the DMM leads.
Now I have a 3 wire digitalmultimeter ignition switched whose ground and voltage sense lead go right to the battery terminals over 22awg 'zip'wire. but then again I also have a digital ammeter on my dash showing amps into or out of the battery, and an adjustable voltage regulator whose voltage adjustment dial is right next to the ammeters and voltmeters, as I intentionally deeply cycle my dual purpose AGM battery, and want it recharging as fast as possible every time I drive. the stock voltage regulator deciding 13.7v was fine and dandy delivering 1/3 the amperage as would 14.7v, when my battery was less than fully charged, infuriated me.
If one finds their vehicle is allowing mid 12v when underway, it is a sure sign it's designers were trying to get 0.001 more MPG by allowing battery to remain under 80% charged. A 1980's vehicle reading 12.5v underway is likely a sign of a recently failed charging system and that voltage will just keep dropping as it powers the ignition fuel pump and any other Dc loads., but a newer vehicle that 12.5v is likely intentional.
Such a C.A.F.E sacrificed battery will still benefit from grid powered 'smart' charging sources to return it to as close to 100% as it can. Usually they too stop holding the higher absorption voltage( mid 14's) well short of a true full charge, which is why I will recommend flooded battery owners use the AGM battery setting on their 'smart' charger, as float voltage on a flooded battery is generally 13.2v, and an AGM battery should be around 13.6v, and 13.6v held for 8 hours after it quit holding absorption voltage, stands much better chance of fully charging the battery overnight than 13.2v does as voltage is electrical pressure. More pressure, more amps flow. Float voltage is designed to maintain the battery at full charge with minimum possible overcharge. it is near impossible to fully charge a depleted battery at float voltage, and even finish charging at float voltage is a bit foolhearty, as so little amperage will flow.
Just dont leave a healthy newish flooded battery floating on the AGM setting for a week, and no harm will be done. If it is an older sulfated batery with caps, the AGM float voltage setting will likely be beneficial if left attached longer term, as long as the water level is not allowed to drop below the tops of the plates. if charger and battery are cold, since most do not have temp compensation, definitely use the AGM setting for float as 13.2 and 13.6v float voltages, assume a battery temp of 77F degrees.
One often has to be smarter than the 'smart' charger to achieve a state of charge close to or actually achieve 100%, especially on older partially sulfated batteries.
If maximum possible battery longevity is the goal, then keep or return the battery to truly fully charged as often as possible as soon as possible, and also kept cool. Anything less than this is detrimental to its potential lifespan. The hotter the average temperature of the battery and the lower the average state of charge, the shorter its expected lifespan will be, even with hail mary attempts at full charges near the end.
But being a servant to a rented lead acid battery, can get old quick.
The average temperature of the lead acid battery whether flooded AGM Gel or maintenance free, and its average state of charge, play a much bigger role in its longevity, compared to whome made/marketed the battery.