Can't figure out recursive routing

You asked about recursive backup (actually failover).

But there are other ways, I would suggest you to use netwatch instead, see:
http://forum.mikrotik.com/t/simpler-failover-for-two-gateways-i-found-working/169108/1
http://forum.mikrotik.com/t/simpler-failover-for-two-gateways-i-found-working/169108/1
the above is as simple as it can be.