That's why you select 2 if voltage on 1 is too low.
Exactly what said.
Valid then, but we are talking sailboats here with single small engines.
I hate to be a curmudgeon, but adding an extra switch for anything should be validated. Coming from aerospace I learned every connection reduces reliability, every extra component reduces reliability, every switch increases complexity. My bet is most failures are going to be caused by a connection loosening up, either at connector crimps or from loose bolts, rather then from failed batteries. Next probable cause is a switch not being in the expected position. Murphy always wins.
I prefer to use both banks for everything, starting and power. If I ever think I may use too much power overnight, I'll hold the second bank in reserve for an AM start. I carry a Honda Gen in case of anything unforeseen, otherwise I would carry a portable Battery Pack with jumpers. If all else fails I wait for wind, if that fails I call for a jump.
Just my opinion, humble or otherwise.