In the first schematic the switched connection to 12v Could basically be used for emergencies, like in the event the converter should fail. If it fails, you can still easily pull the needed 12v out of the middle of the battery string to keep you going till new parts are sourced...
The installation manual states the 12v output is always 1/2 of the 24v input(Its always an equalizer)... However, If you are not pulling any load out of the middle of the 24v battery String, there is no need to connect the equalizer to the middle of the battery String. Just like a 12v battery doesnt have an equalization connection in the middle, Two 12v batteries in series(With a proper connection) will behave as a single 24v battery if left alone
like in the second drawing, the converter will act as a standalone power supply to feed the 12v Loads. The converter will always pull a little 24v idle current to keep 12v available on the 12v output terminal Even with no load, I am not sure how much current this is, so a disconnect on the 24v leg is not a bad idea if the truck sets for longer periods.