although I dislike the dual circuit switch because it only combines a good bank with a dead bank. If someone already has a 1-2-B switch, it's better to keep it than spend the $$ on a dual circuit switch. The 1-2-B switch is much more versatile, since it allows you to do something the dual circuit can't: use the reserve bank for LIMITED house loads (like your VHF) if your house bank, so any reason, dies.
And the alternator should be wired to the house bank anyway. Wiring it to the reserve bank first makes little sense because the house bank usually needs the most charge, the reserve = your start = bank, even in your arrangement, is almost always fully charged, so no sense to run the all amperage through the ACR. You have to think about how to charge a depleted house bank, not a full one. The ACR or any other voltage sensitive relay, closes on input charging voltage, not the "start" bank voltage.
I know you're successfully cruising around Mexico with your kit, but I think you may want to rethink your alternator output.
You noted:
Another nice feature is isolation of the house circuits from starting loads automatically. I do completely agree that that is the one positive feature of the approach you mention, and is the only one I can think of.
See this discussion we had over on the C310 Forum recently, same subject:
http://forums.catalina.sailboatowners.com/showthread.php?t=104505
Good points as usual Stu.
One of the reasons I set it up this way is the very limited alternator output with my Atomic 4 ... I have the largest alternator I could find that was a "bolt on". I actually tested charging rates with the Alt output going to the house bank while isolated and with the output going to the starter terminal and through the ACR and found no difference in the charge rate to the house bank. Any voltage drop across the ACR was more than compensated by the very short run of the output wire.
The limiting factor on my boat is the internal regulator on the alternator. Over an hour of charging the average rate is about 30A ... the second hour is lower. MUCH better than the stock 35A alternator though. After I knew how much time it took to charge, I went through the boat to limit my 12v budget to 1-1.5 hours per day of engine time. If I decide to increase the 12v budget, or spend more time on the hook, I'll spring for an external regulator and/or add solar/wind generation to the boat.
My thought is that if I can always start the engine, I will have power to the panel. I've never thought that being able to run limited house loads off the starting battery would be useful. That is a very good idea. I think I'll add an emergency switch that will feed the GPS and VHF off the start battery. Thanks for mentioning it!
I learned my lesson about battery care when old batteries and forgetting to switch from Both to the house bank left me with an engine I could not start, and a dead VHF ... aground for 36 hours in the delta. :cry:
I've put all my eggs in one basket ... but I now keep a close watch on that basket! When I rewired the boat, I minimized the runs and made the system as reliable as I was able. I'm in the 50-80 Ah/day range and can cut that to under 30 Ah/day if I need to limit charging time to under a gallon a day. Atomic 4's are thirsty!
I tend to look for a shoreside hook-up about every 3-4 days anyway for laundry, ice and food, so I start each cycle with the batteries topped up. The only time I worry about batteries is if I'm planning to be out for a week or ten days ... thats when I add the two extra 27s so I have a 400+ Ah house bank. With 1 hour a day charging and a lavish 80 Ah/day draw the net loss is 50 Ah/day or 4 days to 50% ... I found that I can do better than that with very little effort. Like most people down here, I found that I motor sail more often than I thought and normal engine usage and only 20 gallons of fuel requiring frequent visits to gas docks makes the system work quite well. I've found that a even a week on the hook is about 5 days more than I like. If I could learn to relax and enjoy not being underway more, I would have to re-think the system.

A bigger boat, a thrifty diesel, more fuel, wind + solar ... a stewardess or two ...
As always, know your boat and your planned usage. Configure systems that work for you, know the pros and cons of what you decide on and inspect/monitor/maintain your system. What works for someone else may or may not work for you.
This is one of the strengths of this forum ... 1000's of years of collective experience! Even though I've been at this for over 40 years, Stu brought up something I had not considered. Thanks again!
Randy