WOW, this has been very educational - I really appreciate all of the expertise. It has helped me better define the end goal, and what I need to do in the interim. A few things I have learned along the way are:
- Contrary to what I initially thought, using the House bank to start the engine is NOT a terrible thing (but deep cycling a starting battery is). This point changed my prioritization on how I thought banks should be charged, which in turn made it possible to understand the concept of having both the charger and alternator attached directly to the House batteries, and maintaining the back-up Starter battery using something like an Echo.
- Starting a functional diesel engine does not take much battery power.
- I don't really know the condition of my House batteries. I believe that they were respectable (two Rolls/Surrette CH375 6v wet cells), but they have been abused (electrical fire before I owned the boat which inevitably shorted them, water got too low - my bad, probably nearer their end-of-life than not). I gravitated toward a 3rd bank because I need to add a fridge and do not have time to evaluate and possibly replace the House bank at this time. I now realize that designing my system around a short term vision was foolish. That said, I still need to add a fridge and I still do not have time to figure out the House battery unknowns. But I will now design the system for the long term thanks to everyone's input.
- Trying to automate the manual approach to switch/charge batteries is not ideal because it overlooks some fundamental issues related to charging and maintaining batteries. I am not going to pretend I took the time to understand all of it, but I did understand enough to realize that switching between banks to recharge (such as when manually doing the switching) is not an ideal approach.
- A LVD on the fridge is a good addition.
- Readily available 12V "Deep Cycle" batteries are crap.
I am leaning toward the design in the following diagram. It is designed around the wisdom presented in this post, and with a long term vision in mind (connecting fridge and chargers to the House batteries, maintain the Starter battery using a Echo, eliminating Bank 3).
I know this is what was presented much earlier but if I had not gone through the process of figuring out what things I thought were right, but really were not, then I would have been making "assumptions" that others were right, rather than knowing.
By connecting the fridge to the House bank, I can get a better feel for how strong/weak they are. If I find out that they are not strong enough to support the additional fridge load, I can always manually connect it to the Deep Cycle battery to get me home. It will serve for a short term back-up
Please comment if I missed any key points.