I am also a big follower of KISS principle, and was hoping that this would be a simple dedicated add (through a separate 4-position battery switch). The new battery switch is to be able to toggle between where the solar charging will be directed toward, either the "house" battery, or to the main 2 batteries.
What you are proposing is not at all KISS.
The simplest system consists of a dedicated start battery and a large house bank. Each bank has a simple on/off switch and connects to a third switch like this
Blue Sea Model. The alternator, charger, and solar all lead to a positive bus bar that is between the switch for the house battery and the Blue Sea switch. The start and house battery are combined with an ACR. In words this sounds more complicated than it really is. Somewhere MaineSail has posted a nice easy to understand schematic.
The value to this system is that
1) it keeps house and start batteries isolated,
2) with the turn of 2 switches the electric system can be run from either bank with the remaining bank isolated,
3) when any charge source is present, both banks will be charged as needed,
4) with proper placement of the isolation switches the system is pretty foolproof, the alternator cannot be disconnected while the alternator is running, preserving the alternator diodes.
The schematic I mentioned is posted on this forum, I just can't find it quickly.