G'Day Shaun,
If I was going to charge only one battery I think it would be the start battery. Then when the engine is running you can charge the house battery.
The battery switch stops you discharging a battery by leaving a light on, which I have done, and found out later when I turned the switch on. Not having a switch may be the reason for your openeing statement viz "any battery on my boat seems to have a death wish, they only last 12 months".
Not using a regulator will use more water in the battery. The solar cell can tolerate the diodes as its open circuit votlage is about 18 volts. The two fuses are purely to protect the wiring. This is what I use on Felicite.
You should be able to check the leakage current from the battery by removing the battery terminal and connecting a milliampmeter between the terminal and the battery terminal lug. Remove the solar panel if you have one.
PS the seagull, and chip, is for you.
Greg.