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A generator may have a problem if separated electrically from the battery in operation but an alternator won't since it has internal voltage and current control. If the generator lost it's battery then a person would likely notice that the amp meter was pegged out but the generator could be damaged if run this way too long. A Fun Projects regulator, if the car is so equipped, would likely be fried if this happened.
If a person maintains the electrical system in good condition, there would likely not be much need to replace a fuse. Most of the risk is from a fire related to a short while the car is setting up in the garage. Rodent critters like to chew on wiring for some reason and that's generally during longer periods of setting up. A fuse will keep that from happening. It's better than the wiring or the car burning up.