All of these are good answers. Regarding the pump and radio... if you're talking about an entertainment radio, it should be switched too, with the exception of the memory connection as has been mentioned. In either case, direct connect or not, you MUST have overcurrent protection (fuse or cb) on anything connecting to the battery. A lot of people connect their bilge pump to the batteries directly..sometimes to both batteries through diodes so as not to cause one battery to discharge the other..somewhat like the charging 'isolator'. The pump must be fused however you do it. Interestingly, the only thing that doesn't have to have overcurrent protection is the starter motor itself.