The SBMS can not be used for 48V systems and I do not have any plans for a 48V BMS.
If your diesel requires about 4 liters for 4.5Knots then about 8 to 10kW will be need from an electric motor to get the same. (it depends on how efficient the Diesel engine si but the smaller ones are likely not above 20% all included so maybe around 8kW).
The problem with using an intermediary battery is that the price of energy will be double.
Best case scenario (realistic) for any LiFePO4 or LTO battery over usable life will be $0.2/kWh
So say you need 4 liter of diesel at $1.5 per liter for one hour it will cost you $6 total
With electric if you need 10kWh it will be $0.2 * 10kWh = $2 just for the battery amortisation but if you need two batteries so you charge one from the other that doubles to $4 so you are getting very close just with the batteries then when you add amortisation for electric motor and controller plus inverters and solar there may not be any financial advantage.
The main problem is adding an intermediar battery for charging as that will just double your energy storage cost.
You proposed a 20kWh LTO or something like that with a 5 or 6kW peak PV array that will produce best case about 30kWh per day thus you can not even charge the LTO twice a day with the amount of solar available from that PV array.
Especially if the aux boat requires also some of that electrical energy, then it may just be one charge cycle per day.
If that aux board was connected to the large boat then you could charge directly from solar and since solar PV panels are already constant current source you also do not need any DC-DC conversion and the cost is significant compared to your proposed high power DC-DC converter.
Also about cost you need to consider that with electric is like you pay in advance so is like purchasing now all the fuel you need for the next 15 to 30 years.
Regarding battery charging below freezing all types of lithium batteries including LTO will be affected. But in most cases battery is inside a climate controlled room like it is the case for my battery witch is just a bit more than 1m from my computer inside the house where temperature will not drop below +18C
For mobile applications an insulated box with small electric heater 10 to 15W is sufficient to keep the battery above +10C and you sure prefer a battery that for same weight has 2 to 3x the capacity so LiFePO4 will easily win against LTO in all applications I can think off.
And yes safety is slightly better for LTO but LiFePO4 is also fairly safe and if protected by a proper BMS it will be perfectly safe.
There is a reason why LTO has such a small market share compared to LiFePO4.
In any case my SBMS can handle any type of LiFePO4 battery including LTO (there is even a preset for LTO) but max 8s.