has "been brought up" to 13.2 Volts, it only means that the charger can
sustain
that Voltage. Immediately after removing the charger, the Voltage will still
be
artificially high.

"Fully charged" is not "artificially high."

Do you dispute that the voltage of a battery
cell is 2.2 volts? Yes or no answer please.

Do you dispute that 6 x 2.2 = 13.2?
Yes or no answer please.

After the battery self discharges a bit, it will stabilize about 12.6 or so.
But it has
self discharged to get to that level, and while it may be "adequately" charged
or even "typically" charged, a battery cell is not fully charged until it gets
to 2.2 volts.

Nigel Calder not whithstanding.

It's basic physics.