I was just correcting the math. If something requires let's say 10 amps on 24 volts and you decided to power it using a step up converter off of 12v the total load on the 12v side will be 20 amps. Just the opposite if you used a step down converter to run something on 12 v from 24 v, the load on the 24v side would be half.
As far as saying the unit could handle 40 amps that means you would have to factor in 80 amps being used to generate that 40 amps.
Look at your circuit breakers to see the max amp load, look at the schematics to see what is on 12v and 24v. Personally with the design of the charging system the truck has already leaving it at 24v would be perfectly fine. Make a bank for your house batteries and tie in an isolator or a 100 amp continuous duty solendiod that ties in the house to truck batteries when the truck is running.
In a 12v setup if one battery goes bad in your bank it will take the rest with it. If your concern is 4 batteries vs 2 then take 2 out. The truck will run on 2 batteries in a 24v configuration.
Another option is get with the manufacturer and see if you can get the schematic for the civilian version of the truck they did.
When you look at the schematics for your truck you will he amazed of what all your s actually 12v and what is 24v. The trucks were designed to use the cots system. Only reason you have a 24v starting system is because that is a NATO standard.
Look in your battery box, three main wires, 12v blue, 24v red, and ground black. Just like on the cucv, 24v controls starting, everything else is 12v. That is also why you have a dual 24/12 volt alternator. Having the dual voltage alternator helps prevent the 12v from becoming unbalanced to the 24v side.
Your truck, do as you wish. I think your over thinking it though as the system was planed and tested and proven as it's still used on today's vehicles. Also look at motorhomes, the house and start batteries are separate, not a good idea to mix the two as you can find yourself needing a jump if not careful.
One last tidbit. If you do change from 24 to 12 volt and change the starter over you will have to run a heavier guage main battery cable to the starter as it is now requiring double the amperage it needed before. Depending on what size alternator you change to you may need to change that cable to.