Welcome to the wonderful world of electrical systems and their complexity. Let's do some math! Efficiency isn't really the important metric here, but I guarantee you it's far less than 90% at almost no load. Most datasheets will have a graph of efficiency versus output load.
I'll be using this datasheet, which is probably fairly close to Zero's part.
https://wiki.neweagle.net/ProductDocumentation/EVsoftwareAndHardware/DC-DCconverters/80V_500W_DCDC_Datasheet.pdfI'd like to draw your attention to the Zero Load Input Current, which is the current consumed by the DCDC whenever it's ON from the input, with nothing attached. That's 85mA max, as compared to 15mA if it's off and disabled.
Power = Voltage * Current = 110Vdc(this battery voltage will vary, but it's an estimate) * 85ma = 9350mW or 9.35W. If it's off, that's only 1.65W
Taking 9.35W, assuming its on all day, watt-hours per day =9.35W*24h = 224.4 Watt-hours per day.
With the DCDC off, that's 39.6 Watt-hours per day
Finally take a 7.2kW longbrick, with a nominal(actual) capacity of 6300 Watt-hours and divide by 224.4 watt-hours/day
Gives a rough total of 28 total days of life with the DCDC on and 160 days with the DCDC off.
That being said, I know that Zero has a safety interlock that disables the always on OBD port and the DCDC when the battery voltage drops to around 20-30% SOC, extending your lifespan considerably if the rest of the system is in the microamp/very low milliamp range.
This really highlights how critical no load consumption/quiescent current is when choosing a dcdc converter for a battery powered device. On a smart device like my apple watch, the no load current is measured in microamps. I don't think you can do better in a high power DCDC though, but Zero could have chosen to use a proper low power part with better characteristics. Which probably would require another circuit board assembly/more harness changes and hurt their cost per bike.
I'm guessing EU regulations required an always on 12V to make their OBD port "compliant" and they came up with this solution.
Not sure about SOC drops, as the SOC is a black box algorithm, but you can see from the math how it would be around 6x worse battery lifetime on the EU versions.