Quoted from Gemini2544:I had this happen to me today, Replaced the fuse & quickly discovered the center popbumper engaged. switched off and did a multi-meter check on the solenoid trannys. Q12 was shorted ON. so replaced the tranny, replaced the fuse and all good again. So the fuse popped but so did the tip102 tranny. That fuse saved the driverboard from even more damage. A 1 Amp slo-blo nothing higher. Pin was a Stern Wild Fyre by the way.
The transistor shorted FIRST and then the fuse popped. The popped fuse was a result of the transistor shorting.
Transistors will fail LONG before a fuse can react.
You are right, the correct fuse probably prevented damage to the board after the transistor shorted.