Re: In-Line Fuses??
You've got it right, Chris. The purpose of any fuse is to provide protection to the device, the wiring and the other circuitry. For example, bilge pumps pull a lot of current. If a bilge pump were to experience a dead short in the windings, there is a good chance that the high current draw would generate enough heat in the wiring (or the pump itself) to melt insulation or possibly even cause a fire. In this case, the fuse will interrupt the current, prevent a hazardous situation, and let you (the owner) know that something is wrong.
When a circuit is designed, the proper number and size of fuses are designated and included in a fuse block that might hold 4 or 6 or more fuses. Typical items which would have their own fuse are the navigation lights, bilge pump, live well pump, horn, accessory lights, and (one or more fuses for the) electronics.
In-line fuses are sometimes part of "add on" installations. That is say, something that was added to the boat after its initial construction. For example, a radio. Sometimes "spares" are provided on the fuse block during the initial construction. If you have a spare fuse, then adding on an extra accessory is not problem. If not, then an in-line fuse can be added.
I really don't like in-line fuses because sometime they are cheaply constructed and not always located where they can be easily seen, protected and serviced.