Battery Charger Question

I've done a fair bit of searching about battery chargers but can't find an answer to my question. Please accept my apologies if this is a FQA. I've looked at ctek, projecta, xantrex and jaycar charger and they all claim to run your accessories while they charge. But from what I can gather this is not entirely true. For example, say I have the ctek XS25000 and it has determined that my battery should be charged at a rate of 10 amps. But what happens if someone switches on a load of 15 amps? From what I can gather, the charger will continue to provide 10 amps and the battery will actually discharge at a rate of 5amps. Even if we only draw 5 amps then the charge time for the battery will pretty much double. This doesn't seem very smart considering these are meant to be 'smart chargers'.

The reason I ask this is because when we are off power we are obviously very conservative with what we use. When we are on power we'd like to be able to use all our accessories. Any thoughts?

Thanks in Advance
MikeKulls
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