Hmm. Let's compare and contrast the two solutions.
Day tank pluses:
- limits fuel spill in case of furnace leak/failure
- does not in any way jeopardize fuel delivery to main engine.
Day tank negatives
- when empty needs to be refilled by opening valve, activating pump and closing valve
Tee into main line pluses:
- no need to manage day tank
Tee into main negatives:
- Furnace leak could drain tank(s) into bilge
- furnace leak could stop main engine
- eliminating these risks involves changing valve each time using furnace
The fact that you've never encountered the negatives does not mean they don't exist. I know which option I'd pick to satisfy the simple and safe criteria.
ETA: the third option is for the furnace to draw directly from the tank. This maintains the integrity of the engine fuel system, so would be the appropriate choice if eliminating the day tank.
Seems to me that just putting in a system that doesn't leak is the answer. Mine was first installed by the PO. According to the log, that was in 1991. Almost 10,000 engine hours ago. Don't know how many heater hours, but enough to kill the Webasto. It wasn't until operator error (me closing both tanks), that I learned that Racor filters are the likely suspect in a high vacuum situation. If I was concerned that I would do this regularly, I could put in a
one-way valve for $14. Sure would be easier and cheaper than drilling a hole into a main tank (a non-starter for me). I suppose one could buy several of the one-way valves and put them all over the fuel system. Belt, suspenders, thumbtacks, superglue, etc. The need hasn't been indicated in 36 years in my system.
If somebody feels the need for using the day tank kit that comes with diesel heaters, be aware that you shouldn't install the tank in the engine room. Even the Racor fuel filters now have a fire shield on the plastic bowls. I don't think a plastic day tank would pass ABYC. Also, if you use a pump, like a little fuel pump, to fill a day tank, do not put a switch where somebody (you or a guest) could activate it accidentally. Especially true if using the pump listed above (1.5 gallons per minute). I can (and have) quickly addressed air in the fuel lines. I haven't had to address overflowing 4 gallons of diesel into the bilge. I would prefer the former.
I have many connections in my fuel system that I could worry about. Two big tanks, both with valves that could fail, I suppose. 3 Racor filters (that have dripped after filter changes.) Valves that allow me to switch between tanks and filters. A fuel pump that allows me to polish the fuel, transfer between tanks, fill the Racors when changing filters, pressurize the fuel line when changing the secondary filters (or refilling the fuel lines from accidental air intrusion.) Counting the secondary filters and connections, there must be +30 "leak" possibilities in my fuel line. Plus, a vacuum gauge T (with the gauge in the engine room). I'm planning on moving the gauge to the helm even though that will require an additional connection (aka, potential leak). I've always thought of the gauge as measuring the potential for air intrusion caused by excessive vacuum, but I guess some would claim that T'ing in the gauge is likely to
be the source of air intrusion. From a convenience, safety, expense viewpoint, for me a T for the vacuum gauge, like my fuel filters, polishing pump, heater, etc., is a concern that is easily addressed.
If one is worried about their ability to make quality fuel line connections, a day tank won't save you.