I designed SMPS battery chargers for a living and the only exceptions are some gel and AGM batteries which may need 100-200 mV more to get to 100 % SOC. Using a standard one which charges to 14.4 will undercharge said gel or AGM.
As for the opposite, using a 14.6 V charger for a normal battery, you are ever so slightly overcharging it. If it’s not sealed, I would just refill any lost water with destilled water. If however sealed, you will loose water over time if you charge it repeatedly.
Measure the termination voltage with a multimeter to be sure if in doubt.