AFAIK fuses do not "save" any equipment. The purpose of main fuse attached to every battery onboard is to save your ship from electrical fire if wire from battery to instrument panel shorts out. The individual fuses for instruments do not protect them in any way, they simply keep your other instruments operating while faulty one (with assoc. wiring) is automatically cut out of the circuit, *before* tripping the main fuse. If the "smoke comes out" of your radio, for example, it will likely pull several amps from battery. At that moment radio fuse blows and keeps your main fuse still intact, supplying power to other instruments. There is now way to "push" too many amps in the perfectly working radio.

While we are at it, I might consider it questionable to replace fuse or reset breaker during flight. If you trip a breaker when damaged wire starts to short, is the cure really reset breaker to supply more amperes to faulty wire?