Thanks everyone. I see the way it works between batteries now, so it is all down to the details of "managing" so things don't get out of hand. It is not "elegant" but it can be done.
Got to watch one doesn't get overcharged despite the solar controller trying to limit that, and don't let one get too far below the other in SOC, etc.
My scenario would be on four 6s (the "two 12s") to recharge during the day at 24v while drawing some 12v, then stop the 24, go back to parallel for supper and the evening big draws until after breakfast next day, then get back to the solar 24v recharge. Do this for a few days only, no more than a week. Presumes no 12v charger available, just the 24v solar.
It would all be temporary, so not worth buying proper equipment for it like a DC/DC converter or a 24v inverter.
12v loads during the day would be the fridge all day with other things like the water pump, lights , fans, that are only on briefly.
Not many AH really.
I don't think I can draw from each battery at 12 at the same time without somehow having the batteries in parallel again by way of "paths" back inside the rig somehow or other, but am not clear on that so I wouldn't do it. I don't think you can have them in parallel and series at the same time. So to get an even draw over the day it would be necessary to swap over half way around lunchtime.
The batts don't have to be perfectly even over that few days or ever get fully recharged in that time. Unknown how full they would get on the solar each day with all this going on. No worse than camping off grid for a few days normally when they don't get fully recharged every day. Later on they would be "recovered" to "true full" baseline SG before it is too late to recover them.