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Bill, a couple of questions about your wiring. Is the switch for turning your panel off/on a circuit breaker switch? If not, probably a good place for the main circuit breaker if you do not have one in line. I mention this because you referred "......every line fused to protect other wires from frying......". The main breaker cuts the positive to the panel which protects the other wires. The individual switch fuses protect the wires from the switch to the accessory. For mooring/navigation lights I use a single 3 position switch. OFF; "A" ON; Both "A+B" ON. The knob on the 3 position Cole Hersee switch has an extended pull that the standard off on switch does not have. I believe that the board panels would have a similar single switch for navigation and mooring. A mooring lamp is a single white overhead light and navigation would be the mooring light plus the red and green navigation lamps. With two switches both would be on for navigation. Mooring would have the red and green switch in the off position.

I have been part of 3 dc wiring fires and have burnt my fingertips many a time (mostly because I am a fool and when I see smoking insulation on a wire I touch it to see if it really is hot......it is.......I am sure I will burn my finger tips again). Boat wiring and fusing is to prevent fires, not just get something to work. Wiring charts readily available for lengths of run with amp usage. The dc fire/heat stops the minute you kill the positive to the crossed lines. Easiest way is to shut off the main breaker. The closer the main breaker to the battery the longer the length of run is protected. The waterproof surface mount Blue Sea breaker/switch costs under $100 @. If I had a rear battery and a semi protected place under the gunnel by the transom.....great spot for a breaker......if your fuse panel is at the helm.......why not another one. That way if the main wire is chaffed in the rigging tunnel it is protected. If you smell burning at the helm you reach down and cut the positive flow. Those wire fires are quick. Not overly complicated but very important. Just a progression with thought.