It's not the best way to do a backup internet link, but when you have limited resources....
I know it would be better if I just used a router that supported two wan links with load balancing, but I would like to stay with m0n0wall if I can. The next question I know will be asked "what about DNS" which if the first one goes down how will the workstations resolve addresses.
The second gateway can also do DNS, so m0n0wall has it's IP as the 3rd DNS address, the first two being from the primary ISP DNS. The workstations just work down the list until they hit the 3rd one that works. I know, another 6 second delay until the workstation figures out which DNS is actually working.
It's not the fastest or probably best way to do a backup ISP, but it works "when no one is around" until the tech guy can come out and troubleshoot what is wrong with the primary ISP link. For the ones who need Internet all the time, slower access is much better than no access at all.
I've been reading up on Free BSD forums and I know it's possible, just not sure if this requires a simple hack in m0n0wall or if this would be a complete custom build.