Unless set up and used properly many battery monitors just lie, that is without the possibility of incorrect wiring, however, usually they say the batteries are better charged than they really are. In any case, battery monitors usually only monitor the domestic battery bank.
You made a proposal to just link the two banks, most people who know feel this is a bad idea and I explained why. You don't need to understand why, just don't do it. You can link them as a TEMPORARY measure only when charging is taking place - probably solar.
I also gave you one way of doing it that avoided the potential difficulties, but again, any competent person you get to do such a job should know what to do.
My main reason for posting was to let you know that despite possibly significant sulphation the start battery may well still work well enough once recharged, so don't go buying new until you try it.