Always plenty of variables....
and all of the advice you are getting here is good, Chet. (The debate between dedicated starter battery and 2 banks of deep cycle is a good one - there are good arguments either way

)I would add that the factors/equations required for cruising sailors are different than those for weekenders. When I shove off on Friday/Saturday, I know both my banks are 100% charged, whereas a cruiser will almost NEVER see more than 80-90%. Also, the '50% discharge level rule' that cruisers mostly adhere to isn't a big deal if you do overnight trips - even discharging down to 30%, a regular wet-cell will last several hundred discharge cycles. That matters if you are going through 365 cycles a year, but 20 or 30 cycles a year isn't going to kill your batteries anytime soon.If you really want to manage your batteries well, don't spend lots of money buying lots of expensive batteries, but DO buy 2 indespensible items:1. Nigel Calder's book: Boatowners Mechanical and Electrical Manual... if there's a better book on the subject, somebody forgot to tell me.

2. A good battery monitor, like the Link 10/20. All this talk about bank size, consumption, charging away from shore power, alternative sources, etc., is just going to be theory, unless you actually KNOW what's happening to your batteries.So here's my 2c... shooting blind since I don't know much about your situation:1. Sit down and calculate your expected draw. Spend some time at it - I'm going out for a weekend, so I need 2 nights x 12 hours x 1 amp(?) for my anchor light.My fridge draws 2 amps/hour x 24 hours x 2 days...... bet you buy a block of ice!2. Once you have an idea how much you are going to consume, look at your sailing patterns and engine usage and see how much you can replenish while you're sailing.3. Buy batteries (if your boat-bucks are AT ALL limited, skip the AGM/Gell. Put the money you save in the Link monitor I mentioned above) to meet your needs. Definitely do NOT buy gell cells unless you are also going to pony up big bucks for a smart alternator/regulator on your engine - gells are VERY sensitive to over charging, and they CANNOT be 'recovered' if they are cooked.4. Don't buy lots more batteries than you need, unless you like lugging around hundreds of extra pounds and sailing slower. Hint: you can ALWAYS buy more batteries, but I doubt you'll find many sailors who voluntarily got rid of batteries.5. If you're going to live-aboard a small boat on the hook down south, you're going to want solar panels, most likely. BUT! If you don't absolutely positively need them NOW, don't buy them now - solar panels are likely to get MUCH more efficient and less costly over the next few years as money flows into research. They've been getting better and cheaper for the past 20 years, and the progression is at least going to stay linear, if not better.Finally: on the starter/2 banks issue, I have 2 Gp29s in one bank and a legacy 8D in the other. With a Yanmar 2GM20F, either bank fires my engine no problem - I usually use both, then switch to the 29s, keeping the 8D (that sucker is 10 years old and still holds its own, and I'm dreading the day I have to hoist it out of the boat!).For backup, I have a WM 'Jump Start Elite', which will start the engine in an emergency, and power my running lights till dawn if I need them. It's isolated from the ENTIRE electrical system, so I know that it will be there if I need it. Highly unlikely, since batteries don't 'just die', but comforting. (I've got a hand-held VHF and a spare battery-powered GPS, as well)Well, there's my 2c. I'll bet Havre De Grace is a lot different than when i briefly lived in Aberdeen 25 years ago.

Cheers,Bobs/v X SAIL R 8