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I think perceived wisdom is thst unless you’re going faster than most of us go on a bike you’ll not be able to generate enough (wattage/amperage) to power both lights and charge a device or battery at the same time. Hence the junction box to allow for one or the other without having to manually plug and unplug.
I’ve used very simple three pole switches from Amazon/eBay and a plastic housing for the same effect for pennies, if you don’t mind chopping and soldering some wires.
Is there a benefit to piggybacking the charger cable as opposed to installing junction box?