Don't get confused
What are the CBs connected to? Perhaps they are the main CB for each circuit?The whole how do I set up my system is just that a system answer. The boat manufacturer did a market analysis and determined that for the boats target audience the cheapest way of keeping them buying there product was xxxxx setup. If you are not in the target audience then you may want to change your setup. That depends on what you want to do differently and how much money you are willing to spend.It depends on what electrical production means (solar, genset, alternator....) you have available and what you think is important to keep charged up and how you wish to accomplish that.That is why there are so many different setups out there. You really have to decide how you want to operate your boat. Typically there are two camps, those that just want the batteries to be charged and don't want to manipulate the system and those who are willing to futz with the system to keep the batteries charged.The first camp will have more money to throw at their system than the second!Inside each camp there are wide variations due to the equipment available to charge the batteries, the battery bank size, and the loads the system sees.There is no one right answer for all boats or even for the same boat used differently. The correct answer is the one that works for you.Start with determining how you use the boat. If you use it in more than one way (day sailing with an occasionally cruse for example) then you need to look at both and decide which one presents the most challenge to the system vs how much you use the boat that way vs how much it would cost to use it that way. If you only use the boat in the most challenging way once a year it might be cheaper to just run the motor a little longer to keep the batteries charged than to, for instance, go buy a $1000 solar panel array.Next determine the AH usage for each cycle. A cycle being a load usage that repeats. For day sailing it could be weekly or bi-weekly, for cruising it would be daily but for a live aboard it could be seasonal.Then determine how you are going to provide the AH production for the cycle.and then determine your battery storage needed to get you from usage to production.The process is replete with "engineering assumptions". Most of these are common sense but if we engineers called them that we would not get paid much so we make it sound complicated. It is not complicated just tedious.Being lazy, I made up a spreadsheet that does all the calculations for you and all you have to do is play around with how you use the loads, the battery bank size, and the means of production. email me at roosaw@verizon.net if you wish a copy.