On my boat, I've been using a 48V battery and a DC/DC converter that provides the 12V since 2012. But I once had an issue with the 48V bank which of course, meant I also had no 12V. No nav lights, no VHF, etc. So keeping a battery on the 12V side is a more robust design but leads to this question of how to charge 12V DC from 48V DC, since it's not that common a situation. What a good idea to think of a solar controller! But I don't think you don't need MPPT because there's nothing to track and the controller can't change the voltage of the 48 V battery like it could a 48V solar panel. So a
simpler solar charge controller like this should work.
I'm looking into this again since I'm replacing my failed AGM bank with LiFePO4. While removing the old batteries, I checked their resting voltage, and noticed that two of them may have survived. Those two could fit in the original battery compartment as the 12V battery. In addition to the solar charge controller option, I now found a couple of DC to DC chargers. There's
this one aimed at golf carts. And two from Powerstream,
a 10A version, and
a 20A version. These cost more than solar charge controllers and there's some benefit that they are designed for this exact situation, but I haven't dug in enough to see if they are worth it.