Your original question asked "How do I determine fuse capacity?" The answer is that you determine how much power is available
TO your panel, then decide how you wish to divide it among the circuits leaving your panel. A very simple example would be that a 12v infeed of 60 amps, could power four outgoing circuits of 15 amps each.
How do you know if 15 amp circuits are enough? You do addition. You decide which electrical devices you want to hook to any single circuit, then you find the specified electrical consumption for each and add them up. If the items you chose to wire to a single circuit add up to less than than 15 amps, you're good to go. Suppose you have a group of items that really should all hook to the same circuit because you want to activate them all on the same switch, but they add up to 19 amps? Well, you install a 20 amp fuse on that circuit and wire another for 10 amp fusing. Now you are serving your loads but still protecting your power source and its wiring from overload -they still add up to 60 amps.
It is useful to know that: voltage x amperage = wattage
amps = watts/volts
volts = watts/amps
So regardless how the power consumption is written, you can figure out the load in amps. You'll notice that an electrical accessory that runs on 120 volts requires much less amperage than if its run on 12v. Example: a 1500 watt microwave oven running on 120v yields 1500/120=12.5 amp load . But run that same oven on a 12v circuit and it needs 1500/12 = 125 amp load! Amperage is what determines the wire size (its the measure of resistance). So bigger wires are needed for 12v wiring than for 120v.
Some things to consider when wiring a panel are redundancy and practical use. It can make sense for example, to put some of your navigation and interior lighting on one circuit, and some on another. If a fuse goes, you won't lose all your nav lights and you won't be in the dark trying to replace the fuse. Redundancy can be complicated with our boats, because the fuse panel also functions as the on/off switch for many items. In the example above, you'd have to turn on two switches to get all the nav lights lit. You can also consider the practical use of your electronics. You likely aren't going to need the fish finder and the cabin lights at the same time, so wiring these to the same fuse will reduce the load on that circuit most of the time.
Another major consideration in 12v wiring is matching the wire gauge to the load. Low-voltage circuits lose power quickly due to resistance in the transmission wire. A circuit that travels the length of your boat or the height of your mast, can require heavier wire to run the same load than if it was five feet from the power source. I've attached a link to one version of a 12v wire gauge chart for reference (see below). Others are available on the web.
Finally, the wire from your battery to the panel must be able to carry the load of everything wired to the panel. Too little wire here will cause much of your battery's power to be used up creating heat in the in-feed wire. If the in-feed is way undersized (or the connections are corroded) you can create a dangerous level of heat.
Now after having said all that, the loads on our little boats are so mild that it's hard to overload a circuit. It's not impossible though, so if you have radios and instruments and other add-ons, take the time to figure and distribute loads correctly. Do it properly and your wiring will work reliably with little maintenance, outside of keeping corrosion cleaned up.
http://www.engineeringtoolbox.com/amps-wire-gauge-d_730.