I agree. Whether I tap into the main panel or from the battery, the supply needs to be fused.
Unless this is powering a device that must be a direct "always on" battery connection everything should ideally pass through the DC panel and the battery switch. A DC sub fuse panel should be appropriately named on the DC panel such as "DC Cockpit Feed" or "DC Sub Panel". Only the positive feed wire needs to run all the way back to the DC panel and the negative can be taken off the negative distribution bus close to the battery. Do not be tempted to connect the fuse panel to the engine for a negative return path as this can induce unwanted transients...
12V Outlets:
I am not a believer that a 12V outlet on a boat should be fused at any more than about 5A. Beyond 5A +/- these can develop some serious heat which can lead to a fire.
As the springs in the male plug
weaken over time, in the 12V+ tip and ground wings, the plug can develop a sloppy fit and work loose. When it becomes loose in the socket we create a point of
high resistance which can begin to heat the plug and outlet to the point of fire. This can even occur all at well below a fuses trip point. I have seen this happen with a 15A rated fuse and the fuse never tripped because the owner was not exceeding 15A but the outlet was scorching hot and melting due to
high resistance. By lowering the fuse rating to about 5A this a high resistance induced fire is much less likely to occur.
If you follow a few simple rules for 12V DC sockets they
can be used in a safe manner.
#1 ALWAYS USE OVER CURRENT PROTECTION
#2 Max fuse size 7.5A (preferably not more than
5A)
#3 DO NOT plug in pumps, motors or search lights
#4 Choose high quality sockets
rated for at least 15A (but don't run them at that)
#5 Contact points need to be kept clean (A Dremel works, 12V Power
off first)
#6 DO NOT plug in small 12V to 120V inverters. 12V outlet powered inverters are an incredibly
dumb idea and
incredibly dangerous!
#8 If the male plug becomes loose fitting
stop using it and replace it.
#9 Use only for cell phone, camera, tablet or laptop charging with 12V loads less than 5A - 7A
If you follow these simple guidance rules you will likely never have a 12V outlet issue again. High resistance can start fires well below the fuse trip point!