For ultra long life of a lead acid battery the charging voltage should be 13.8 V.
1. The charging voltage is a trade off between charge time and battery life. Modern Chryslers using 15V!!!!!
2. The voltage is an indicator of the chemical activity, charge is that and the AMOUNT of the chemical activity, i.e. area of the plates that are active.
3. Its the current that causes the chemical change, the voltage is required to get the current in.
4. Yes, the big problem is over heating the internal plates. this is why the current should be as low as possible. telephone lead acids are huge = 1m X 1m X 1m per CELL(!) but are only charges at .05 A, but they last 50 years.
Frank