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I would say you should be fine with just 3 batteries. I would suggest a 3 bank charger though for sure. Hook up all your electronics and stuff to your starting battery and you should be fine. The charger will keep all the batteries full while not in use and when the big motor is running it will also slightly charge the starting battery. I would see if that works first and if it doesnt then add the 4th battery That is what has worked for me
I agree with Eric I was having an issue with my starting battery. what was happening I wasn`t running the big motor enough to keep my starting battery up. Running all my electronics live well and such then jigging down stream and starting the big motor run back up shut it down and repeat repeat repeat. Big motor would allways start but from one fishing trip to the next my starting battery was never fully charged, unless I made some long runs. Went to a three back charger to keep the starting battery up to snuff and never an issue now.
Check your connections and your starting battery Humminbirds are not as voltage sensitive like the Lowrances. Mine has never shut down even when my battery was low. My Lowrance used to shut down if I said BOO to it.
Edited to add Any time you hook electronics to trolling motor batteries your looking for interference issues.