The better solar controllers such as the Trimetric and Victron types I am familiar with most certainly do have all the necessary logic to ensure the camper batteries are charged optimally. My Victron 75/15 is a lot smarter (and adjustable) than an IOTA, even with the IQ4.
In my rig, the alternator (it puts out up to 15.5V when cold out) can send 80+ A to my camper batteries. When I see that the batteries are getting close to 95% SOC, I manually disconnect them from the alternator and let the solar panels do the job of finishing them off right, which includes things like compensating for temperature, and determining if they are actually full up by measureing the "tail current"
That said, I also have a NOCO Genius 7200 for when I want to top off using shore power, but it is no where near as smart as my solar controller.
Vic...
I concur with all you noted...
I was thinking more along the line a camper equipped by the factory. Thankfully, folks at the FWC "home office" listened to owners and now install a better switch for charging camper batteries. Too bad a "smart" digital solar controller capable of enabling all three charging stages isn't offered by the factory. Given the up-charge for solar, most of us that choose this option would likely choose a full logic, "smart" controller as well.
Bottom line to ensure optimum charging and longevity, is to put your camper batteries through all three stages weekly and try to keep them fully charged when possible.