This is one of those situations where NOT providing something is a good thing.
Normally the chargers that come with RTF's are very low end. I've always favored saving having the money these useless devices cost, go to better connectors, etc. in the plane.
If you think you'll stick with the hobby and electrics, invest in a GOOD computer controlled charger. It need not be super expensive ( e.g. over 180.00 or so ), but it should handle different types of packs, even if specific aftermarket connectors are needed.
A good charger is a sound investment that will last for years. It should be able to handle everything you can throw at it and detect when the pack is charged, cutting off current.
I use my computer controlled chargers to charge everything from 12v Gel Cell packs, TX packs, RX packs, LiPo's, LiFE, Lead Acid 12v field boxes, etc. etc. etc.
Built in balance charging capacbilities are also a good idea.