Protect you, your house, trains, wire, and accessories. Transformer internal breakers protect transformers, NOT trains. Shorts or faults can damage your toys and burn down your house. Circuit protection on the low voltage side of transformers is the same as having breakers in the circuit box for your house wiring.
See more on protecting you and your trains here Toy Train Layout Wiring .
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Great site! OGR should put it up permanently. It would save re-answering all the simplistic questions that many new-bees have.
I fuse both track power and accessory power. Note the fuse blocks installed. Fuses are as small as practical. Track power usually 7.5 amps and accessory 3 amps. You may want to consider even smaller amperage fuses.
Track fuses (8) are upper left, Accessory fuse power is to the right.
Grainger fuse block that accepts a standard automotive type fuse. AGC, glass cartridge type, available at any autoparts store. Click on the underline phrase to link.
Track fused power.
Accessory fused power
There are two different accessory voltages used on my layout Track voltage (18 volts, used mostly for Atlas switch motors) and a lower 12 volt accessory power (everything else). I used 14ga solid wire to link the fuse blocks together on the right side, you can note a break in the looping bare 14ga which indicates the two different voltage blocks.
Grainger product without the fuse
Here's a very good technical explanation.
All I know is they work really good and have a range of values from 1.1 A through 9 A.
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