robbob2112
Doing more research, mosty harmless
the fuse holders I use are made by bussman/eaton my t classes are all 80 amp fuses one for each bank. the most I have drawn to date with one inverter was about 43 amps. since I installed the second inverter I have seen 52 amps, but both amps were running under full output. (maybe 2/3rds?)
as my house and shop running flat out do not draw but 52 amps any one of the fuses/banks could power my system i chose to go with the smaller class t fuses on each bank. the holders that bussman/eaton make are a composite that reminds me a lot of Bakelite without the brittleness. blue sea only offered the massive fuses and I want that fuse to blow if there are any problems. fuses are cheaper than the cabling, cheaper than the inverters, cheaper than my shop.... and yes I have a 5 pack of spares just in case.
to give you an idea, I blew two of the fuses when I applied power to my system without a resistor to pre-charge the system. that was three morningstar SCC's and two Magnum MS-PAE 4448 inverters and the inrush popped two of them. learned my lesson....again.
Yup... it comes down to the heat wasted by the class T... they have internal resistance... the lower the amperage value the higher the internal resistance. If your wires and fuses are sized right they may get warm but should never be hot. If they are hot, you either have a bad connection, bad crimp, or an undersized fuse/wires.
To give you an example of class T internal resistance
300amp - 0.25milliohms
200amp - 0.40 milliohms
100amp - 1.46 milliohms
And this is how much heat is wasted using ohms

Now assume you have a bad connection at the fuse that is 1, 5, 10 milliohms at 3/4 current

It doesn't take much for a "bad connection" to get red hot at those current levels... a bad crimp or connection a tiny amount loose.... this is why the NEC calls for using torque wrenches to tighten the bolts/nuts on things.
If the battery is a 48v with built in fuse/breaker the ideal place to fuse is just before the bus bar to protect the wire in case there are parallel packs. If it is just one battery it doesn't matter much where the fuse is.
And if the battery doesn't have any built in protection I would fuse at the terminal with a MRBF and a class T at the bus bar... overkill, probably, but maybe not depending on length of wire and if there is a possibility of it being shorted in the middle someplace. A dropped object causing a short at 2ft with the fuse at the terminal will heat things up quick, a short right at the terminal not so much if the fuse is at the bus bar.
it comes down to resistance in the wire and distance and mass of the wire. At 2 ft there is enough resistance in the wire at high current to melt it if there are multiple other battery packs dumping their rated current into it... The house burned down thread has the examples and math....
In a longer wire like 6ft the mass of the wire and the heat dissipation balance enough that the short may get things hot without melting anything.
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