From I've heard that the danger is often not the battery itself, but rather by the equipment connected to the battery when the system has a fault.
For example, a battery charging directly from alternator with no DC-DC converter. BMS triggers over-charge-current protection (typically at a low SOC), causes a MASSIVE voltage spike, and this voltage spike is where the danger lies, often blowing up inverters, controllers, ECU's, etc.
Sure, proper design on this equipment often causes fuses to blow when damage occurs, and it doesn't lead to a fire.. but the one system I saw go south had 90vDC on a 12v system...I can see that leading to a fire one way or another.
Just to return to this
Firstly alternator disconnect is in itself not dangerous. The term is known as load dumping
The voltage generated is v= L(di/dt) most alternators are around 300uH for example.
So several conditions must exist primarily significant current must be flowing , and that current must be abruptly terminated
Secondly most though not all alternators are Built to automotive standards such as ISO 7637-2 and
SAE J1113-11 and these alternators are specifically designed to survive upto 140v spikes from load dumps.
The issue is of course your other electronics at the rated so.
But the fact is it’s actually easy enough to design and fit TVS based transient protectors that will clamp the voltage to about 20v. All your electronics need of course Be able to handle that. The trouble is some brands of marine electronics are poorly designed for transients.
Hence the whole issue of alternator spikes is utterly overplayed in marine discussions. Virtually no one has actually tested load dumping on boats and too much talk is “ conjecture “ and supposition.
I have an alternator test bed and can actually document what happens.
So the whole debate on LFP in boats is far too based on opinion , personal peccadilloes and unwarranted technical speculation in my opinion. Actual hard data is needed.
An technical analysis of my recent lightning strike suggests about 150v was coupled into the DC system. This took out almost everything connected to the battery , including the alternator , all my Chinese led and Chinese cheap invertor survived , all my Victron and raymarine gear died !
Hence we need to place potential failure mode analysis of LFP in context