Q: So is it true I should have a 12.6V reading on a fully charged battery anything less it needs to be charged? And it shouldn't dip under 12.6 in less then 24 hours?
A: You misunderstand the basics... it isn't the voltage that matters as much as the available amperage. To use a classic analogy of water to electricity, voltage is like the water pressure in a pipe, while amperage is like the size of the pipe. All other things being equal, the work that a stream of water can do has more to do with the size of the pipe.
That's why a simple voltage check of a multicell wet battery doesn't tell you much, unless one of the cells is bad, which a voltage check can turn up. What really matters, in terms of cranking power in a car, is the total current flow available, aka the amperage, which can only be checked under load.
Here's a quick thought experiment that may help you to understand... if you stacked up 8 AAA batteries at 1 1/2 volts each, that would total 12 volts. Add one more and you'd have 13 1/2 volts, way above what you think you need... but try to start your car with it and you'd get nothing but a stack of warm batteries as they discharge in vain, because they aren't anywhere close to being able to produce enough current for the job.
In contrast, if you had a couple of old auto batteries lying around that only measured 11.5 volts each and couldn't quite crank a car by themselves, wiring them together in parallel to double the available current could probably do the trick.