PV modules are a current source, but they can realistically only produce up to their rated current. Your wire gauge should be designed to carry more than that amount of current. Besides an installation error I don't see a situation where, on a commissioned system, a fuse should ever blow. Even if your PV positive and negative were shorted together, it would still not draw more than the arrays rated current.
What am I missing here? Are fuses actually necessary or are we just putting in extra protection for the sake of it?