No onboard charger or one that does not perform well. Never keeps them charged, etc.
This is a US thingy because people believe that and many boats are on a trailer and stored at home with power or in a slip with shore power.
In Europe this is much more uncommon and many smaller boats dont have chargers nor are in a slip with shore power and trailering is uncommon due size and weight restrictions, basically only RIB's up to 20 ft are the most boats living on a trailer.
The engine batteries are after every day full, if full when leaving they are after starting full after a few minutes, cranking uses only a few Ah. House batteries are a bit different depending on what use one make of the boat, all day trolling with main engine will charge them continuously and keep them at 100% while a day/afternoon at the sandbar may drain them down to 50% and the way back is not enough to charge them fully.
I never had a charger and removed the one ex owner installed on the Canyon as i have no use for it because I never had shore power. My slip cost me 1500 with water but no power than the tourist slips for 5500, so i save a lot of money and also, my marina does not allow to have shore power connected when no one is aboard for safety reasons as chargers going nuts are one of the main reasons for fires
The time i lived and worked six months in Sardinia and 6 months in Costa Rica i had many many batteries in either country and then i left the batteries for 6 months on a NOCO trickle charger with a timer to run every Sunday for 4 hours for safety reasons.
Here in Sardinia during winter i can leave the fully charged AGM batteries for 3/4 months in the 50°F basement and after that time they are still at 80% charged. AGM betteries discharge at about half of the rate than flooded cell batteries what is another big advantage for people like me without 24/7 charger.
As i wrote, all my AGM af various brands lasted 5-7 years while all my flooded cell may lasted the same but i usually killed them before due deep discharge.
Would they last longer if they are hooked up 24/7 to a charger? Maybe, difficult to estimate but in my case i simply don't have a way to do so.
Chris