Regardless of which system you buy, I would recommend a 12vt system. Either the main engine or the generator can charge the battery.
Without the generator, you have to rely on the inverter, if you have one, if the water maker is AC.
Not necessarily; it depends. For us, and what we do, an AC system made more sense because:
Higher water output when we have up to 6 people on board, which includes a lot of showers on the swim step as we are all in and out of the water all day long. We are also rinsing gear and wet suits.
I will also be using the RO water to spray the boat down every few days when traveling, and use it at the dock for boat washing. Spot free they tell me.
The Gen needs to be run every day for at least 3 to 4 hours to charge the house bank. After it’s past the bulk and absorption phases, the AC demand decreases for the latter charging phase. I will therefore have the WM on during this time, and it will help to properly load the Gen.
Regarding Gen loading, I am going to have a lockout switch to transfer between the L1 and L2 Gen legs, depending on current draws. At sea, it’s mostly the Gyro. At anchor or a mooring, it’s house battery charging, and the hot water heater, but that is done after a few hours. IE, the current draw on the two Gen legs will vary, so the ability to shift the loads will help balance them.