Pertaining to the older boats with a single battery selector switch like my '85 H34, I went with the two 1/2/both switches as it was less real estate used versus three on off switches to achieve full crossover capability and I got the ability to turn off the engine start function even if using the engine battery to power the DC distribution panel. I just never wanted to leave it to chance that someone could hit the starter button or I could short the solenoid by accident while working around the engine. Also, I think there is an economy of only purchasing an additional multi-function switch (since the boat already came with one installed) rather than two more on-off switches for the cross over configuration. Using an additional single on-off with the multi-function switch does give crossover, but no starter isolation if the engine battery is being used to power the DC panel. When I bought my West Marine battery combiner, the configuration I used in Figure 5 (see attached file) said it was the "best". Back then, I knew so much less and it seemed the "best" way to go.
The last comment I could make in favor of the two multi-function switches is that I don't have to remember if when (or ever) I have a dead bank that before switching the crossover on, I would have to turn off the affected bank's on-off switch. I can just switch either the engine or house designated switch from 1 to 2 and it's done with complete isolation from a dead bank. The only thing I need to remember is to NEVER use the Both position so as to not drain a good battery into a bad one. It just works for me.
Yes that is a very out dated way of wiring and very often quite confusing for
many boat owners who have it. I have had to address the West Marine "best way" dual 1/2/BOTH switch set up on many boats where the owners were continually doing the wrong thing, even after leaving a legend for how to properly use them.
The scenario where you want to power house loads off start, and need to isolate the engine, is on order of a 0.001% emergency scenario. In fact in all my years of doing this I don't recall an owner ever needing to do that. Could it happen? Sure but a metorite could land on you too...

In a situation like that, in a
emergency, I would much rather see both battery switches 100% switched OFF as many boats have wired a high performance alt and all charge sources direct to the house bank so even isolating the start battery does not always isolate the engine from 12V.
The simplest switch configuration for
most owners, that still offers
isolation of a bad bank and cross over redundancy, is a properly wired dual ON/OFF with a emergency cross connect on the loads side.. The emergency cross connect switch can even be in the form of a Blue Sea ML-500 ACR with remote switch clearly marked for emergency cross connection. In normal use it acts as an ACR, in an emergency it can be used as a cross connect.
As your switch configuration works for
you that is all that matters!
I do however urge caution on that set up based on
experience. I can tell you from a realistic/real world perspective that switch configuration does not work
simply and becomes
confusing for
most owners (not
all but
most) I know that have had boats wired with it. Heck the simple 1/2/BOTH is confusing for many too.....


The balance between
simple and
safe is one that can matter in a emergency situation, especially when an owner starts to panic..
I had one owner kill two start batteries in a single summer. He had a dual 1/2/BOTH set up and continually chose the wrong bank for house loads, apparently based on what he was "used to" with his previous boat.......... I made him a laminated legend, labeled the switches very clearly and still, three weeks later, he called and asked me to make the switching
easier. I did not ask if he'd murdered another start battery...

