@ RAL
Your theories are sound, however how the charging circuits function is completely different. They have a duty cycle rating on the equipment and there is some basic intelligence involved.
Yes, a larger battery will take longer to charge back up from being discharged, however the limiting factor is the rectifier and AC transformer of the panel, as well as the power output of the charging circuit itself. It's not about maintaining the charge of the battery, but bringing the battery back up from being discharged and running the system. Too great of a load you're going to overpower the charging circuit and start burning the electronics. The charging circuits are not dynamic and they don't monitor the voltage coming from the connected battery and switch over to a maintenance charge if the battery has the correct voltage...nor do they do an amp test on them. At best, the panel does a voltage drop test periodically (which is going to be skewed by the larger battery, so maintenance will need to be planned to replace the battery prior to it failing a test).
The larger equipment I deal with have settings for the battery <26 aH, and >55 aH as examples....in addition to disabling the charging circuit. There's a reason for those settings.
I have a slightly used Vista 128 that the installer decided to run a 26 aH battery on if you want to see what happens to a burg panel with too great of a load on the charging circuit...it's not pretty.