What they said above.
I added a 30A marine circuit breaker on 10# positive wire between the battery and fuse box. I largely did it to be able to disconnect the entire box, not really for load protection. Most of your heavy draw accessories will use relays, not heavy current through the box.
Simply using a relay doesn't address concern about protecting distribution wiring. The wire supplying the relay, to then go through the relay contacts to the accessory, should be fused also. This is most often done at the fuse block. The whole idea is to minimize the number of wires attached directly to the battery posts, to the extent possible, protect wiring that, if shorted, could start a fire, and to minimize the extent of power loss in the event there is a short or failure - better to lose one accessory than have the whole thing shut down.
Failsafe is good. This is why on many small aircraft, the positive distribution buss is powered from a relay located near the battery, which is often some distance from the buss (usually for weight distribution concerns). That relay is controlled from the cockpit by switching its negative side. That way it presents no additional risk of fire if the control wire is shorted to ground - it simply keeps things powered on.