Would there be any harm caused to my 5 x 95ah batteries using a 12-40p smart charger which is rated at 200-400ah? I am also in the process of replacing them all with 105ah batteries.
Normal rule of thumb is the charger output amps should be 10% of the battery ah. So, technically you should have a 50a charger. Unless you have exceptionally high loads, your 40a charger should keep up OK.