"this would let me use 12v accessories, as long
as they did not draw much, like a CD player, or if they were balanced on two
sides, like a set of seat heaters"
I don't think this would be a good idea. If
you're simply replacing a 24V battery with two series connected 12V
batteries then your charging system is still set up for a single 24V
battery. This system assumes the same amount of charging current flows
through all battery cells. By connecting a 12V device to one of the
batteries it will receive less charging current than the other battery as some
current will be diverted to the connected device. The result will be
uneven charging and premature failure of one of the batteries.
Tom Gourley
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