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The cable that grounds the batteries to the frame comes off first. After that you don't have to worry about shorting the positive terminal to the frame accidentally with the wrench or whatever tool you are using at the time (the ground terminal can be shorted to the frame at any time without...

If there is a separate charger for each battery, there is no problem at all using one for 12 volt accessories. The problem appears when the two batteries are charged by one charger putting out 28 volts with the batteries still connected in series. If they do not have the same internal resistance...