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I personally think that my voltages are on the low side of acceptable.
If you see voltages much lower than mine, then I would say it warrants further investigation.
Checking the voltages at each condition I listed can be helpful in deciding whether or not you have a problem IMO.
Also, load testing is the first step when you even think you have a problem. I think you should load test every 6 mos to a year - regardless of problems.
I also believe in float charging over night every couple of months to reduce sulfation and to keep the batteries at their peak. Hopefully will give you the max life out of your batteries but that could be debated.
Thanks for the input guys. I guess I need to look into getting a voltage meter. Been thinking about getting one for a while now; this should be justifiable with the CFO.