Not exactly kosher but you can tap half your bank for half of your 12v loads and half of your bank for the other half and "approximately" have a balanced drain on the batts. Care must be taken to isolate the two 12v circuits from each other. "ground" from the more positive half of the bank must be isolated from actual ground, obviously. I am certain that no electrician is gonna sign off on that sort of engineering. But my approach is to have a separate 12v bank. In an emergency I can of course tap 12v from my 48v bank, and I have one automatic bilge pump tapped off the 48v bank permanently. Eventually I will probably change everything to 48v, and use a dc/dc converter for those items I cannot build or buy a 48v replacement for.
Permanently tapping just part of your bank for all your 12vdc loads is not a good idea at all, IMHO, but there are guys who do it. A separate 12v bank and charger actually is the simple way to do it, I think.
Keep your cable runs as short as possible in your propulsion system, and use big fat wire. Line losses can eat your lunch at 24v. I use 2/0 welding cable at 48v. With 24v I would be tempted to go with even bigger wire, or maybe copper bar stock if the numbers look good. 2/0 wouldn't be bad, though.
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