AFAIK, PT has those two high amp switches for recharging one bank at a time. Normally, you would not have any disconnect switch between inverter and battery bank with those high amp fat wires. You might have a high amp fuse in a holder that would be easy to take out of its holder, not sure how those things work.
To isolate the Li bank from the I/C draw even on standby, you would have to shut off the I/C. I don't know, but assume there is an on/off button for that.
For the battery meter to show 80%, that would need it to be resting at some voltage where that is 80%. If the battery is under load and shows that voltage, it could be at a way higher SOC.
So to run the fridge and other loads off the battery to keep the battery under 80% but over 50%, how are you going to measure the SOC?
I think you have to get the battery down to 80% and isolate it from all loads. Now the meter on the battery is right, and you have to get your 12v somewhere else.