Jim, You may have a difference in definition concerning the meaning of "full charge". 12.5 divided by 12.9 is 97% absolute but 12.5 volts is not 97 percent of the "working" battery capacity. 10 volts would permanently damage the battery at an absolute percentage of 77.5 (10 divided by 12.9 volts). A meter reading of 73% at 12.5 volts indicates a "working" range of (12.9-12.5)/(1.0-0.73) or 1.5 volts. 100% charge at 12.9 and full "working" discharge at 11.4 volts. Batteries should not be discharged below 50% of the working range (not 50% absolute) or 0.75 volts below maximum or 12.15 volts (12.9-0.75). I am not saying these numbers are correct only the meter is measuring "working" range percentage and the numbers you posted produce this working range. Full disclosure: I am not an expert in anything said here but I am very good with numbers, please feel free to correct me.
Edit: If you get very good with these numbers, you will find some shifting of the "working" range calculated from the voltages because the "working" range varies with temperature which "smart" meters measure.
2nd Edit: I have always thought the batteries "natural" self discharge rate was reported in terms of absolute percentage (not "working") while the maximum battery usage of 50% is in "working" so there is some mixing of apples and oranges.
3rd Edit: (obviously I have too much free time) AGM battery self-discharge rates can be between 1 and 3 absolute percent per month depending on battery temperature. Warmer batteries self-discharge faster. Worst case: 0.03 x 12.9 full volts / 1.5 working volt range = 26% decline per month in the "working" range or a "working" charge remaining of 74% after one month. (full disclosure, I am still not an expert but I can toss out a lot of numbers)
Edit: If you get very good with these numbers, you will find some shifting of the "working" range calculated from the voltages because the "working" range varies with temperature which "smart" meters measure.
2nd Edit: I have always thought the batteries "natural" self discharge rate was reported in terms of absolute percentage (not "working") while the maximum battery usage of 50% is in "working" so there is some mixing of apples and oranges.
3rd Edit: (obviously I have too much free time) AGM battery self-discharge rates can be between 1 and 3 absolute percent per month depending on battery temperature. Warmer batteries self-discharge faster. Worst case: 0.03 x 12.9 full volts / 1.5 working volt range = 26% decline per month in the "working" range or a "working" charge remaining of 74% after one month. (full disclosure, I am still not an expert but I can toss out a lot of numbers)