Combining batteries is not a problem provided the batteries are compatible in the way they are being used and as long as they are in matching condition. We have to remember that some members have spent their working lives dealing with batteries and have the "rules" firmly in the back of their minds, some have not, and anything electrical is a mystery to them.
Being familiar with rules gives you the ability to bend them without breaking them, but where there is a serious safety issue, you cant take chances with somebody else. The result is that we tend to give advice that errs on the safe side for a beginner to this particular aspect of the hobby.
When a vehicle manufacturer combines batteries, it is done, usually, by a well qualified designer, who takes all the ramifications into consideration, and the assumption is made that the system will be worked on by qualified staff. When a model boat is being built, and a deviation from the manufacturers instructions is under way, the modeler becomes the designer, if all goes well, great, but there is plenty of chanced for poor performance, a damaged model, and even worse, a damaged modeler.