"the loads on our little boats are so mild that it's hard to overload a circuit."
This is true as default curcuits go but in this day, we have power inverters and much heavier 12V add-ons that we should watch out for. Another primary reason for these fuses is that we can have a "short" in the wiring for some reason. In this case, the fuse is acting to prevent a "possible situation" with the battery(or batteries) by removing the fuse's circuit from the grid.
In some situations, we can have a fuse simply go bad without any issue of overload. I just had this happen with the starting system fuse on my outboard. It looked perfectly fine visually but internally, it was defective. That being said, I don't think that it's necessary to replace fuses on a regular basis as the can last for decades without issue. It is good to have replacement fuses in case one does go bad though. Even then, one can change an unnecessary fuse for an important one after determining the cause of failure ....if necessary.
Regarding wiring, one of the issues with wire size is also length. With 12V systems (Actually D.C. systems, there is a greater voltage decline in electricity as the wiring gets longer. (It acts as a resistor..I believe) This is a major reason why our common household electricity has been 120V A.C.in the U.S.
This is true as default curcuits go but in this day, we have power inverters and much heavier 12V add-ons that we should watch out for. Another primary reason for these fuses is that we can have a "short" in the wiring for some reason. In this case, the fuse is acting to prevent a "possible situation" with the battery(or batteries) by removing the fuse's circuit from the grid.
In some situations, we can have a fuse simply go bad without any issue of overload. I just had this happen with the starting system fuse on my outboard. It looked perfectly fine visually but internally, it was defective. That being said, I don't think that it's necessary to replace fuses on a regular basis as the can last for decades without issue. It is good to have replacement fuses in case one does go bad though. Even then, one can change an unnecessary fuse for an important one after determining the cause of failure ....if necessary.
Regarding wiring, one of the issues with wire size is also length. With 12V systems (Actually D.C. systems, there is a greater voltage decline in electricity as the wiring gets longer. (It acts as a resistor..I believe) This is a major reason why our common household electricity has been 120V A.C.in the U.S.
