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A general rule around those voltages is that you need 2 volts higher in order to charge. Which is why 12 volt alternators put out 14 volts. I don't believe it will work very well to charger a 12 volt battery with 12 volts if it really is 12 volts. But if the converter puts out more like 13.8...

Okay sorry. Let me rephrase that............. The problems will be so negligible that to a lot of people like myself, it is not worth the fuss of doing it the "Right" way.. I've been doing it in all of my big trucks for years, and I only have to replace my batteries once every 6 months or...

If you just want an accessory port to charge your cell phone, or run a GPS, or even a stereo as long as you aren't running a big amp and subwoofers, there would be no problem at all.