Before docaster answers, and feel free to contradict me, he appears to be proposing having 3 batteries on board. Two for start, with one isolated, unused, " just in case" , for failure of one start battery. This is a lot of weight for a small boat such as yours. But, yes, as long as that backup battery is kept charged, you will have another backup. The alternative for a backup start is the little lithium jump packs. These actually do work really well. I had my main drained overnight with the boat on a mooring by leaving a paralleling switch on with one battery dead. I had the little Uniden jump pack--it trimmed the motor down , then started it like a fully charged lead acid. Same thing for my D-max- 3 litre diesel, battery failed overnight, cranked it like new. I saw a bloke use a Kings version to start a 105 cruiser next to me in a carpark just last week.
The only thing to be aware of is that you CANNOT just leave them under the back seat/chucked up forward in the boat for 6 months then expect them to work. They actually work by using a very small lithium battery to charge a capacitor, which then gives the surge of current necessary to crank a motor. Capacitors self-discharge at varying rates--as it does, the little lithium will recharge it. And on it goes. Until it is flat. From experience( I have a Uniden, was $175 at RTM) , charging them once a month is enough. YMMV. Unless your wife is using it to run her tablet instead of putting it on the charger.
So, to summarise, for a small boat, not used for liveaboard, I'd stick to a conventional two battery with a heavy duty VSR (such as the Redarc I described) with a Paralleling ( combiner, if you like) switch across it. Your House load cannot draw current from the Start battery once the voltage drops below 12.6 or so, so is isolated and will keep it's charge, as long as the battery itself is good.
There is one thing I can't get my head around, though--How can the failure of a properly wired VSR cause your Start battery to go flat??? All it can do is stop working, and deny charge to your House. Worst case scenario, your House stuff( EVERYTHING should be House except for the actual motor control wiring loom) will show alarms/stop working , so you fix this by closing the paralleling ( combiner )switch which effectively bridges across the VSR, then carry on . Or are you saying it failed CLOSED instead of Open, which would be normal mode of failure, and the House load then drained your start?
To simplify this, look at the phot below. This is how I originally wired the Reefrunner , with a conventional Start/House/VSR setup. VSR kept failing, changed for a heavy duty VSR, then all good.
As you are viewing it, Left hand switch is Start, direct to motor, +ve connecting to start battery . Middle switch is paralleling/combiner. Right hand switch is House, + ve connecting to House battery VSR is on the right. Negative supply is common to both batteries and motor. Middle switch is normally open/off. You can see it bridges across the VSR. Ignore the CB on the right, that protects the supply to the drum winch up front. This is a really basic two-battery configuration.