One good reason for a master electrical switch is in case of an electrical fire. The way your system is currently setup, there is no way to kill the power going to the panel easily and quickly. The master battery switch should be easily and readily accessible, and without having to reach over or near the rest of the boat's electrical system—so that in case of an electrical fire, you can kill the power flowing to the fire.
You should also have fuses on the main lines to the two batteries.
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You know what the first rule of sailing is? ...Love. You can learn all the math in the 'verse, but you take
a boat to the sea you don't love, she'll shake you off just as sure as the turning of the worlds. Love keeps
her going when she oughta fall down, tells you she's hurting 'fore she keens. Makes her a home.
—Cpt. Mal Reynolds, Serenity (edited)
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Still—DON'T READ THAT POST AGAIN.