The idea is to know whether the battery is being charged or not.
You do t need a 6.5 digit meter for that nor any exact battery voltage as any 12V power line will tell you if there is a problem or not.
You're right that any significant voltage drop typically indicates a problem - but only if you're measuring at the correct point. That’s exactly why connecting a voltmeter anywhere other than directly at the battery terminals can be misleading.
In a vehicle, wires and connections are exposed to vibration, moisture, corrosion, and mechanical wear. A wire might be partially damaged, corroded, or have a poor contact, which can create resistance. As a result, the voltage at some 12V line inside the vehicle might appear low - making it seem like the battery is undercharged - even if the battery is actually in perfect condition. Or worse, it might appear normal while the battery is failing, simply because you're measuring after a faulty connection.
If your goal is to know whether the battery itself is being charged, and what its voltage is under various conditions, then the only reliable method is to measure voltage at the battery terminals. This eliminates the influence of unknown or degrading vehicle wiring and ensures you're seeing the true battery status - not what’s happening downstream at, say, the cigarette lighter or a fuse panel.
In short: if you want to monitor the battery, measure at the battery. Anything else may tell you more about the wiring than the battery itself.
But even a voltmeter will not tell you if there is enough charge in the battery.
a voltmeter alone won’t give you the full picture of battery health
unless it's connected directly to the battery terminals and used properly.
When voltage is measured at the battery terminals, you can absolutely assess both the state of charge and get a good indication of the battery’s condition. Measurements taken elsewhere in the vehicle’s wiring, such as at a cigarette lighter or accessory circuit - are affected by wire resistance, voltage drops, and potential faults. These measurements not only fail to represent the actual battery voltage but can’t reliably indicate battery condition at all.
To evaluate state of charge, just let the battery rest for 30-40 hours at ~25°C without any load or charging. Then measure the open-circuit voltage
directly at the battery terminals. This gives you the battery’s EMF. Then you can estimate the charge level in percents with this simple approximation:
State of charge (%) = (Voltage - 11.7) * 100
To assess internal resistance, again connect the voltmeter directly to the terminals. Measure the voltage with no load, then under a significant load (e.g., headlights + heater).
Even without measuring current, a large voltage drop under load indicates high internal resistance - a sign of battery aging or failure.
But notice very important thing - in all cases, reliable conclusions require voltage measurement
directly at the battery terminals. Anything else may mislead you due to unknown wiring losses or faults.