Ok, that makes sense. I am surprised that MTH hasn’t marketed a solution to this issue.
I'm speculating, but I'd think their logic might be that whatever protection you have in place for your transformer (fuse, breaker, whatever) would interrupt the short before it does damage to the relay.
As discussed earlier in the thread, some reasons you might want to use an AIU in conjunction with an external relay:
1) Larger current in the external relay. As RJR notes the internal AIU relay is 5 Amps and the recommended current is even less.
2) Ability to use much thinner control wiring from AIU to distant relays. This can drastically reduce wiring bulk and cost.
3) If using DCS, there is anecdotal evidence that simpler is better with respect to wiring "geometry". If you run the "hot" power from block-AIU-block the DCS signal is also running over that extended distance. If the external relay is close to the block, the DCS signal travels over a much shorter distance.
4) The internal SPDT (single-pole, double-throw) relay may not be the right contact arrangement. For example, the Tortoise switch machine uses a DPDT (double-pole, double-throw) relay in some wiring configurations. And MTH has published how to drive such an external relay from the AIU. I realize this has nothing to do with a block power application.
5) Separate from the contact arrangement, the external relay module can provide additional functionality. For example, for a couple of bucks there are relay modules that have timing capability. So the external relay can be limited to turn on for no more than 5 seconds (or whatever). This can be handy if the ACC(essory) port is controlling an uncoupling electromagnet which might burn up if power is applied for too long.
6) Finally, an out-of-leftfield idea is the AIU relay can "press" the button(s) of a remote control wireless fob that then controls a distant relay. I just recently posted this on the O gauge archive here.