Like you I assumed a modern adjustable reg/rec would allow you to set an appropriate charging voltage and that would be enough. Most of those types are coming with specific warnings about suitability with lithium though.
I don't want to go back to AGM or lead acid types though.
As you mentioned though, they are probably just covering themselves. As long as you think carefully about your choice and set it up well, maybe try one and keep an eye on things? ... your choice really.
Like you I assumed a modern adjustable reg/rec would allow you to set an appropriate charging voltage and that would be enough. Most of those types are coming with specific warnings about suitability with lithium though.
I don't want to go back to AGM or lead acid types though.