David,
Regarding the wiring your solar panel wiring, I think if you look further you will find the solar panel charge does not actually go “through the ACR”. The connections on the ACRs where the Solar charging cables are connected go “directly” to the house bank and the engine start bank. It matters little whether the connection was made the battery terminal or at the ACR (or anywhere else where there is a sufficiently sized cable between the two). The only battery with its only solar charge source “through” an ACR is the Thruster battery, and this is the case whether the connections are made at the house and start battery terminals or at the ACRs.
I understand there are those who may argue about the term “direct” connection in this case but I think a very short large cable (00 AWG I think) counts as direct connect. In any case it is a good idea to make sure the connections stay tight with no corrosion.
Curt
P.S. the above presumes the wiring was correctly wired at the factory and has not been changed by the owner. If either of your solar charge wires are connected to the Thruster battery side of an ACR or both charge wires connected to the ACR such that they lead to the same battery then that is incorrect and should be corrected.
P.P.S On some boats (like mine) the battery 1 and battery 2 solar charge cables had the house and engine battery leads going to the incorrect battery for solar charging due to RT’s choice of labeling the House bank as battery #2. The Morningstar Controller assumes the House bank is battery #1 and allocates 90% of the charge to that bank (unless configured to 50% by the user). The Engine start battery should be battery #2 on the solar controller. You can check this by monitoring the battery #2 voltage on your solar remote display and either disconnect the house battery or significantly change its load (while the ACRs are open). If the House bank is on battery #2 at the solar controller it is backwards and should be swapped with the Engine start battery.