Hi there to pfcgreen, I see you are having a problem with converting your 48 VAC output down to 12VDC, perhapse my suggestion might help you out.
Browsing through the suggestions i can sence you are looking for a simple to understand solution, perhapse here might be the answer.
I understand you have a 3 phase output at 48Vdc, your battery bank is 12Vdc.
Might I suggest the 48Vac be sent in its current form to your battery room, and there you modify the voltage. As it is 3 phase, use 3 48V (primary)transformers to convert each phase to 3 outputs (secondary)of 24-28V AC. Use 3 bridge diodes, (one across each phase) and connect all (+)positaves together and all (-) together.
Get a decient heat sink for each bridge diode and cool them by a PC fan.
Get yourself a voltage regulator that will regulate to the required output voltage you want to use. There are many circuits avaliable that can do the job.
Now I notice you are using 12V DC to run whatever it is you have eg Fan, Lights, motors, I suggest you update your battery bank to at least 24v. My reasons for this is runs of cabling at 12v DC produces losses in resistance and heat in the cables, you want to have as much power avaliable to operate the equipment, loosing a portion of it along the way is just not good enough. So if you send 24v DC towards what ever it is you want to run is a better idea, then install a small Voltage regulator that can handle the current the device takes to reduce the 24V dc down to 12V Dc makes much more sence.
I have a backup 12V DC system at my house in outback australia, and I need to beef up my own system, as I am also having voltage losses (talk about calling the kettle black)
Another idea I have that might be of help to others reading this, is to use 1/2 inch copper water pipe to use as a bus feed for DC, wind insulating tape around the copper pipe, this is a poor mans way to piping heavy currents around the workshop.
Use one for each of the POS and NEG and just tap off them, it works a treat with electric welding setups in workshops, just leave the heavy welder in one location and move the clip/clamps to where ever you need to work.
OK hope my suggestions make sence