Currently dcrctl supports specifying separate servers for dcrd and dcrwallet via the rpcserver and walletrpcserver options.
In a setup where dcrwallet and dcrd are running on separate servers, one is limited to one or the other's commands dependent on whether dcrctl is run with the rpccert flag pointing at the certificate for dcrd or dcrwallet.
If there were a walletrpccert option, a user could specify the two different certificates in the config and dcrctl could determine which cert needs to be used based on whether the command is a --wallet command, and if the walletrpccert config value is set or not (as most installs work out of the box with dcr install setting up everything on one server).
Opening discussion on this to determine if this seems like a reasonably good idea or is not worth it.
(Perhaps there is a way to generate the cert so both dcrd and dcrwallet are accessible with the same rpc cert despite being on separate servers such that this is unnecessary.)