Soundguy - you've played (meaning worked on) with electronic hardware. Look at an engine computer board - aside from moisture, the other reason that a decently designed one has 1/2" or so of potting compound on it is to deal with vibration. SM devices are (mostly) lower mass/profile than older through hole ones, but still.... vibration beats the heck out of solder connections (well, actually any mechanical junction - look at the front end of truck), given enough time. As you have no doubt fixed on many things, the stress points are high on cables, as they enter/exit an assembly - high vibration applications are esp. tough on cables, connectors, strain relief points.
Modern potting compounds are pretty impressive, many automotive ones are more like gel insole material - they remain permanently flexible so that they continue to dampen vibrations, not just physically stabilize the part.
For cost reasons, non-automotive consumer electronics don't bother with potting compound to seal/protect their boards. Not saying that a discrete charger will fail after 20 minutes of being strapped to a generator, I'm saying that most will have their operating life reduced (MTBF #s go down). In today's world, my line of thinking is not viewed as "normal" in this regard - the analog battery charger I referenced is over 30 years old - consumers are expected to pitch their electronic toys in 18 months - 3 years max - my lifespan comments may make sense to some TBN'ers, but not the general public.
D.