I guess it's possible that some higher end automotive BMS have a built-in DC-DC converter for 12V output, but I don't know any. I think some motor controllers have it, but afaik Fardriver doesn't.
An onboard charger is just a charger for the battery that is permanently attached to the bike. If you want to charge at public charging stations, you need a reasonably powerful charger, and those things are not small and light, so not really something you're gonna carry in a backpack or in saddle bags. But if you're fine with slow charging and/or charging at home, you can keep it external. Personally, I decided to put a 3.3 kW TC Elcon charger on my bike and make a small charging logic with a Type 2 plug, so that I can charge my battery in 2 hours on a public AC charger.