No, you do not need to turn the inverter ON to charge your batteries. The 'inverter' gets its power from the 12 volt batteries and converts or ”inverts” 12 volt DC to 115 AC. While the system does have a battery charging function, the INVERTER SWITCH specifically is operating the inverter function to INVERT low voltage DC to high voltage AC power.
In my 04 Monaco, I have never turned the inverter off. There are people who recommend having it ON only when you're using it. But, in my opinion, you would be missing one of the benefits of the system; it senses a loss of shore power and will almost instantaneously switch to inverted power. It acts as a quasi UPS (uninterruptible power supply). As a full-timer, I have lived through power outages and never noticed it... Only to find out the next day that my neighbors we're suffering without power (specifically those in fifth wheels).
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