Craig & I had an offline discussion about this:
Craig,
I've been seen reviewing your wiring diagram. Again, nice job. I think
most people don't have one, and I can't understand how they run their boats
without them.
I think there's a way to run your house loads with the reserve bank if your
house bank bites the dust (for whatever reason, and we both know it won't,
right?

).
If you pop the house bank 150A breaker (lower right on your diagram), the
reserve bank power will run this way: reserve bank through #1 and reserve
150 A breaker to bus bar, #2 to reserve bank switch, #2 to house bank 150 A
breaker, #4 original to panel on/off switch, to loads.
You may have figured this out already, but I finally spent some time to play
detective.
If you trip the house 150 A breaker, it looks like you'd disconnect the Link
wiring and maybe dump its historical information, so unless that won't
happen you may be hesitant to give this scenario a test, unless you don't
have or care about the history or you don't have it anyway.
That's a pretty elegant re-use of the #4 originals, "well done, Weldon!"
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Stu - I hadn't thought about that alternative. I might not have the drawing
exactly correct, because I think the breaker on the house bank just goes to
the panel. If I lost the house bank, it would be very easy to disconnect the
bank flip the combine switch. Obviously, I'm not too worried about it. What
the drawing doesn't show is my windlass connected to the "start" battery and
the inverter connected to the house bank. I have a 1-2-both switch going to
the inverter that lets me split the house bank and feed the inverter from
one isolated pair while the other pair feeds the panel. A previous inverter
would shut down when the alternator went into bulk mode trying to replace
the amps, so I setup a switch to split the two sets of T-105s.
My start battery is a group 24 of unknown age that's a sealed PbCa. I'll
probably replace it with an Optima when it won't crank the engine.
I'm glad I did the Visio drawing. In less than a year I was checking it to
see exactly what I'd engineered. My battery box isn't the prettiest, but I'm
not an artist or a perfectionist.
Craig