Many pros and cons to bring out 12 Volts from the 24 volt system.
While all of these systems use two 12 Volts batteries in series for the 24 volt needs of the truck (start, run, lights, wipers, horn, most military radios, etc) it's a good idea to keep the batteries matched, balanced, from the same lot at purchase (you get the idea) due to the need to have them work together for the total 24 Volts and Amp rating. As soon has one is abused, discharged, mismatched, brand X with brand Y, one from the old tractor, the other old one from behind the garage... Get ready for issues, just saying.
Dual output 24 / 12 Volt alternator system is a more forgiving charging system for this reason. Easiest way to grab 12 Volts for stereo's, radios of all types ham, CB, cell phones. Bad idea to run that 12 Volt winch, but some have tried. Yes you could / can run lighting, but with the multi voltage LED's, just go to the 24 Volt buss.
My guess most have the 60 Amp. 24 Volt alternator. (could be wrong) So, for all the reasons stated above about balance, I believe the 24 to 12 Volt converter (could have a 12 Volt equalized function too) is the better approach. Battery balance is key to a long lived charging system to start and run this truck. With this 60 Amp system... the minute you TAP into the 12 Volt side you just blew the balancing act. (simplified description)
Yes, you can for something of very low duty cycle and amperage. The day you forget to turn it off... read on.
At that point your going to have a dead battery. Where it gets "wacky" is when you try and start the truck. Your 12 Volt equipment Positive lead is now at the Negative leg of the good battery and POOF goes your nice stereo, etc. when you try and start as all the current as to go somewhere.
Over time (60 Amp system) the two batteries will never equalize and work effectively as one. One will over charge, the other never gets to full charge and then you can't make that beer run.
Not sure where we are going with a third battery. Diode isolated could work, but unequal charge on the 12 Volt leg in the 60 Amp system and have to stick it somewhere to bounce around.
In all cases, Ya might want to have a 12 Volt disconnect switch wired in, should you leave any 12 Volt equipment on, as in "ALL 12 VOLT SYSTEM OFF".
It's all about the juice.
CAM