It sounded like you want to separate the sailing loads and the house loads. If you want both on at the same time, DCP does that and 1+2+B does not give you that option. You don't have to ever combine the banks when you add the 2 on-off switches. You simply use the Combine position to select either one bank or the other by turning off the bank that you don't want by selecting which on-off switch to switch off. Yes, it means 3 switches, but on a regular basis you are only turning DCP "ON" to provide what you want and you normally just leave the other 2 switches on all the time (and usually out of sight, too). You also want to install ACR for charging both banks.
By installing ACR with 2 on-off switches, it provides the ultimate flexibility. You can run both banks separately at the same time, or you can select any bank you want for any purpose and turn off any bank you want without affecting the other. I can't think of any function that you can't do, and you never have to combine 2 banks for any reason except when you want to (if there ever were a reason).