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Battery combiner vs battery isolator
I configured a charger and alternator to work like this: I use a charger that has isolated outputs for three banks, so each bank can be given what it needs. This is fine when shore power is available. I have a combiner that I wired with a disconnect switch so I can defeat it''s "automatic" nature when I am on shore power. When on engine/alternator charging, I enable the combiner so I can charge all banks at once. The caveat here is that you always have to remember the switch, no big deal, but one more thing to remember.
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