Let me respond one at a time:
Brak - the Y valve allows me to positively direct the black water where I want it. As mentioned below, I don't want everything automatically directed to the tanks.
Jody/SD - the layout you have provided (thanks for that) is the same as suggested by SD inasmuch as everything pumps to the holding tank. That may be best in the US but "anywhere else" in the world, within a relatively close proximity to the shore you are allowed to pump macerated black (no solids) water to the sea. In NZ that limit is 500 metres. And especially when we're at sea proper, we rather pump black water directly to the sea and not to a holding tank. Hence the position of my Y valve.
SD - as far as being able to effect repairs without getting oneself immersed in black water, that's really a matter of wash, wash, wash before disassembling. I just did that and not too terrible.
Rodz47 - SD got in 1, that's where the pump-out connects and it is of course a good seal so no problem.
Ilenart - Yes leaving juice in the bag bothers me too. I've just replaced all the pipes because some of them were transmitting odours. I think that the bags will start to do the same after a time. I guess it will become a ritual of flushing the bags with volumes of water and pumping it out before leaving the boat. And, yes the water in isn't shown, that's really a given. I was more trying to debate the outlets. Solid tanks are just too big a job, I'd rather replace the bags periodically
Dodger - my basins drain through their own skin fittings but they're above the water line so not really a 1st choice for black water

. And besides, a backfeed into the basin would probably irritate my wife a little especially while she's cleaning her teeth
One of my concerns is the back-feed and more I think about it the simplest solution would be to fit a joker valve into the yellow line (my diagram).
Thanks for responses, always valuable.
Andre