Fuses are electrical insurance. And like any insurance, it's only there in case of accidents, or those unforeseen thingys. I sort of have trouble thinking they are a waste if they never 'blow'. Where a fuse is placed in a circuit just means that it should protect everything 'down stream' from it. Sometimes, that isn't the case and is usually because it was placed in the wrong place. One fuse may protect your electronics just fine. But, probably won't since everything electrical doesn't have the same capacity (why there are almost always more than one fuse in cars, houses, other stuff). Multiple fuses can be taken to the totally ridiculous level too. Sort of depends on how much the protected 'part' costs, how accessible it is, and how lazy you are (lazy and cheap are not always compatible, unfortunately).
Got doubts? Put the dang thing in there...
- 'Doc