I go with you TopazKen. The 1,2, Both,Off type switches are a poor solution for an independant cruising boat. In fact in my view any new boat should not be built with them.
In our own case we have 2 alternators each directly cabled to its own battery (in one case the cranking battery and in the other case the service
batteries) with no switch at all between alternators and batteries ie the alternators are always live on the batteries regardless of whether the batteries are isolated from their distrubution or not. There is a paralleling switch for emergency
If only one alternator but two batteries then there are much better ways of distributing the charge than using 1,2,Both,Off type switches eg by VCR's.
Perhaps Never Monday is getting confused by incorrectly thinking that if there is no 1,2,Both,Off switch that there is no way of isolating the batteries from their distribution. One, of course, always has a correctly rated switch, preferably 2 pole so both negative and positive switched, for such between the batteries and their distribution (ie between service
batteries and panel, and between cranking battery and engine).
PS We don't use fuses at batteries, but I won't get into that discussion