HI Steve, There is one overcurrent device on the back of the electrical panel. Thus, the branch, individual circuits are not protected by an individual fuse. All or nothing. The reset time is short, I would say around 20 seconds. At least that was the time it took with the same type of overload device on my 73 HD Sportster. Yes, you can fuse all the legs, that's the way it's setup on the M23. If you buy an aftermarket panel, it can come with the front panel, pop in fuses. Have at it. Bones