The Smartpass is not a smart charger and relies solely on what voltage the alternator is outputting. Typically it won’t charge the service battery to 100%. This is not optimal if running a fridge as you want to get back to 100% asap while on the move so it's ready for the next night's (or two) usage, e.g. you might only drive for 1 hour to the next camp. The EFB 105Ah service battery is not large in terms of running a fridge so the more you fall behind the harder it is to recover to 100%, and the more chance you have of the fridge cutting out while camped.
The 250SE 20A is a smart charger so will get the service battery back to 100%, and quicker. It does this by creating a load on the starter battery which signals the alternator to continue outputting at a higher rate, this in turn helps the Smartpass to stay in the game so you then get the two charging sources combined. The Smartpass can also create a load but only when the service battery is low as there's little internal resistance, but once this rises the Smartpass cannot boost the charge like the 250SE can to overcome the resistance, so the alternator can reduce its output.
Bottom line is, with the 250SE you are using a smart charger with the correct bulk, absorption & float stages to recharge the service battery, as you should do with any lead acid battery. The Smartpass is just a 'dumb' bulk charger. Any decent 4wd setup running a fridge usually incorporates a DC2DC smart charger like the 250SE or the Redarc and Everdrive DC chargers etc.
Ctek themselves will tell you to add a 250SE if running consumables and that the Smartpass is more suited to a larger battery bank or a lithium battery - it can output up to 120A when needed. In the Grenadier the Smartpass is overkill for such a small service battery and you could easily get away with just using the 250SE, or a Redarc, Enerdrive etc. But Ineos have used it because it's a convenient solution for a dual battery setup in this scenario. It parallels the two batteries for charging and allows integration with a smart DC charger. It can also trigger the service battery to maintain the starter after engine stop and provides a Start Assist function which links the two batteries if the starter has run too low for engine start. This can happen when running devices off the 12V outlet in the boot or other outlets such as the USB sockets or roof outlets. The Smartpass also features a protected load terminal for consumers (e.g. fridge).
Ineos would see no requirement to include a smart DC charger like the 250SE as they expect each user might have different requirements, e.g. some may have large fridges and other consumers so prefer to run 40A or 50A DC chargers. The Smartpass will pair with any brand of DC charger.