In your diagrams you show an inverter DC switched and a charger DC unswitched.
If you have an inverter/charger, how does it get wired? If it's switched wont the charging function be disabled if the house switch is off? Why not just use the DC disconnect switch instead of the panel?
Fused of coarse. Also if it is much easier to use a disconnect switches for the the AP & Frig (fused) can these be run to the unswitched bar. This would make wire running much easier. Too old for Boat Yoga.