Thanks for the replies folks

I’ll answer the questions I can, and comment randomly.
@wizard69,
The solar charge controllers usually provide a load controller specifically intended for lighting.
In fact, I’ve owned and seen many of them, and all of them had/have a lighting load output, usually smart controlled to turn on lights at night.
The current crop of controllers now often have USB ports for charging mobile devices.
High current loads are connected across the battery and fused of course.
If the lighting load control was negative switched, it would be an issue for it to share common ground, even with the PV panel or battery.
@ Renate,
I have more than one charge controller of reasonable quality. Perhaps I could check if the negative is common for those with simple continuity test?
One is sealed, the other can be opened to physically check inside.
@ all,
The reason I thought the controllers disable the PV by shorting it is the they usually warn not to connect to any other source than PV.
If a controller shorted a wind turbine for example, that would brake the turbine, and then break the turbine

and maybe the controller too.
The reason I find it an attractive proposition to only run a single conductor from the PV panel to the cabin is because that’s the most difficult of the whole install.
A flat insulated ground strap might be enough to poke in anywhere.. through a door sill, etc...
but two conductor thick cable, I haven’t even thought of a neat way to get that inside the vehicle yet.