questions about battery disconnect wiring

If the CD relay locks closed, what happens? You are dead in the water from passing tech.

JMO, that is the reason you isolate the charge wire to the same side of cut off switch as your battery. All power is broken on the upstream side of cut off.

Always put a fuse or protection in the feed wire to starter relay going forward. I run 30-60 amp maxi fuses in the line right off the cut off.