I need to. I was gonna get by for now but bring it smoothjoey! Whatcha got?
Sorry my solution I was going to propose is not compatible with hardwire.
But with a bit more jiggery pokery it can still work.
1. get the 65 amp victron smart battery protect.
insert it between the positive busbar and your 24->12 converter.
This provides low voltage disconnect for your pure dc loads.
2. get a 40ish amp ac rated solid state relay and a 20 amp ac breaker.
The breaker goes on the ac side of the inverter on the live wire
after the breaker goes the ac side of the relay.
3. the control side of the relay is connected to the downstream side of the victron smart battery protect.
I'm sure this is all Greek to you but it should work fine.
It needs to be done properly and safely though.
Then the only load that the bms has to disconnect is the inverter idle draw.
The summary is that the pure dc loads are disconnected directly via the victron smart battery protect.
The inverter ac side is isolated via an ac relay which is controlled by the victron smart battery protect.