The way Bill has described his factory set up
is the conventional installation. Now before doing any modifications you should determine what is your primay charging source. If it is a shorepower inboard battery charger producing juice to both batteries as needed you will probably require no modifications. If you are out on a mooring and require alternator charging to top off your batteries you may consider the installation of a combiner to have both batteries receive charge from the alternator while keeping them separated when not charging. There is a practical principle regarding the battery switch; "only use the "BOTH" setting for a short period of time to provide an emergency boost to start the engine" Consider that 1) two batteries connected together will only charge to the capacity of the weakest one 2) a bad battery will draw down and may damage a good one 3) By human error an applicartion may be inadvertedly left on, like refrigeration, and it will result in two discharged batteries. The object is to have adequate power for our needs while maintaining an adequate reserve to start the engine. Always keep the switch in "1" or "2" using one bank for house and the other as a reserve for starting the engine. This is a fail safe procedure for a two bank battery system. Check the archives for information on larger and more complex systems.