OK, I went back through the thread, to sort of "review the bidding"... and I see this is the one that started with a worry about potential overcharging... and then morphed to something about monitoring something somewhere on or around post #81...
But there's the post describing loads on each main bank -- inverter on each, MSD on one, thrusters, fuel pumps -- and I'd imagine there are probably some lighting circuits (nav, anchor, deck lighting, interior lighting), nav electronics. One inverter feed a fridge, the other ....?? Maybe AC outlets for things like laptops, toasters, coffee makers, icemaker, microwave/convection oven, tuner/stereo amp, TV? IOW, the loads are separated...
And near as I can guess, since the main loads are separate, the "two banks" thing is NOT to swap between one and the other at anchor. (In which case, all loads would transfer? Some guessing, there.... ) Instead, I'd guess that architecture was specifically to spread the DC loads (and inverter AC loads), and maybe the only reason for a combiner switch is if the user over-achieved drawing down one bank or the other... so the switch can act as a temporary safety net... until the real fix (recharging) can happen.
If that's anywhere close at all, I doubt I'd spend much time worrying about changing battery architecture. Instead, I'd just (over time) beef up each battery bank to the extent necessary/possible (that extra battery box for each might be applicable), put a monitor on each bank, call it good, and move on to a real problem.
3x G31s on each bank is probably ~300 Ah nominal capacity, ~600 Ah total. Adding a fourth to each bank would make it ~400 Ah each bank, ~800 Ah total. What's not to like? The cost of a second monitor is basically squat, in the grans scheme of things.
(Some of this is guided by experience with battery architecture of our previous two boats and this current boat. All had/have two main banks; each starting an engine and each servicing about half of the DC house loads. Only one had a 1-2-All switch, and it was the boat with only 3x batteries total, 1x on one bank, 2x on the other (fridge) bank, not much room for additional batteries. The DC panels were/are separated for basic load management, not for swapping out which bank happens to be servicing a whole house at any given time. No way to do that on the last two boats without 1-2-All switches. Instead, that's what starting a generator solves.)
Bottom (sorta) line: the current architecture is workable, and a (completely discretionary) monitor on each bank could be a good thing, physically rewiring the two banks into one larger bank would buy not a lot -- at significant expense expressed in either time, money, or both.
It is, of course, highly possible that I don't know what I don't know relative to OPs situation, goals, etc.
-Chris