Like we said in the referenced link
it's a boat, so there are many different ways to do things. My point is that there is no way it makes sense, at least to me, to want to combine banks when one is dead, so what is the purpose of the dual circuit switch, if not for that, which a 1-2-B can do just as well. So, as you noted: "If your house bank is dead, why would you combine the batteries???"
That's just my point, so I agree with you, so what's so great about the dual circuit switch that a cheaper 1-2-B won't do? There should be no reason to combine a dead bank with a good one, so what does the dual circuit switch do? Just that. That's why I don't get it. I wouldn't want to combine a dead bank with a good one. Plus, the dual circuit won't let you connect the reserve bank to the house load. It appears from the literature from Blue Seas and the West Marine catalog blurb that it requires the alternator output to run through the switch (noted in the last "unintended consequences" of the linked thread), so you have only 2 switch positions: separate or combined.
Yes, we also made the point of how the system is wired. Preferred is alternator to house bank, saves a lot of confusion.
If the house bank is dead, you could use your emergency reserve bank to run house loads, like minimum lights or anything else, because there's no reason you can't based on the size of a usual reserve bank. Do the math: 60 ah bank, 30 ah available - bank should almost always be full - turn fridge off, 30 ah, means a whole evening or maybe even a day without a house bank and with good energy management. Sounds like a good "reserve" to me. You do NOT have to start your engine immediately.
Seems that the easiest thing to do is run the alternator output to the house bank, and either use a 1-2-B or separate switches for house and reserve, but for one of those many people use a paralleling switch, which is just what the 1-2-B switch is to begin with! But paralleling one dead and one good bank makes no sense. But the dual circuit switch simply won't let you connect the house loads to the reserve bank ONLY and it runs the alternator output through the switch.
But, everyone has a different approach, all I was pointing out was the way the dual circuit is designed,so people can make their own decisions with some information on choices that's not in the promotional material. The linked thread discussed and then summarized my reasons.