So my main concern here is over charging. Let me explain/ask/confuse...
@David Analog - You said "the two batteries are fixed in parallel as one, the dual bank charger isolation is circumvented, the batteries are viewed as a single battery, and the charger essentially becomes a single bank in function." I understand this, and I agree. Therefore, when the dual bank charger is hooked up - one set of cables to each battery - the charger kicks on both banks for both batteries. But since they are connected in parallel, everything is getting distributed equally. Here's where I have the questions: So if one was 3/4 charged, and the other was fully charged, the charger (at least one bank) will still be putting out charging juice. But again, due to the parallel connection, it's getting distributed to both, and the one that is fully charged is now getting overcharged, right?
So using two identical batteries on the same bank is very common when additional amp/hour capacity is required....whether a towboat or tournament fishing boat....whether series or in parallel. When they are discharged and recharged the same this is completely permissible. As mentioned above, the two identical batteries essentially behave as one just as independent cells behave as one battery.
There is a very small chance of one battery with one bad cell taking out the other battery due to charging inequities. But normally batteries are replaced before this becomes a serious concern. It then becomes a good idea to separate and isolate paralleled batteries once after the season and once before the season to measure a) their full state of charge, and b) their state of charge after a day of rest in isolation. If you had six batteries in parallel you might do this once every several months, in other words, the frequency of isolated testing would be commensurate with the size of the bank, cost of the bank replacement, and the calculated risk. But with just two batteries in parallel an early problem and inequity is very unlikely.
Charging independent banks is another matter, and paralleled shore charging should be avoided. Is it the end of the world? Not exactly, but it's not good. Consider that your boat charges two banks in parallel when running. Unfortunately you lost perfection the moment one charging system is connected to two battery banks.