Clearly you don't understand the concept of system design. A larger fuse will take longer to blow and pass more current before it blows. A fuse that is rated at the maximum current draw (but less than cable capacity) will provide maximum protection to the wire and car. The difference between 200A and 300A is 50%. In a dead short situtation that could mean the difference between a small burn mark and a totally burnt car.No one is forcing you to do anything. I stated my opinion and that is how others prefer to do it as well.
There is no limit in the future. If you add more components in the future you simply adjust the fuse sizes to fit the new load. Fuses are cheap ($1-$3). Car fires due to aftermarket wiring is going to be real expensive.