That is incorrect in UK systems.
The contact breakers in the consumer unit are designed to disconnect power in fault conditions extremely quickly, in a matter of milliseconds. To do so, the earth loop impedance must be below a certain level. These have to be checked on every circuit in your system and are reported on your test certificate.
We have fused plugs because we use ring mains. Whatever the rating (3A, 5A, 10A or 13A), they are designed to protect the plug and the power cable from overheating and catching fire. They have to comply with BS1363 and BS1362. The fuses are silica filled ceramic.The costs of certification are too high to make it worthwhile for any audiophile fuse company to make them.
Safety fuses are slow blow with a current factor of 1.9. So a 13A rated fuse can carry a 24.7A current for 30 minutes before it blows. So the performance of circuit breakers and plug fuses are completely different.
As for fuses built into your hifi components, no regulations apply and it's up to you, bearing in mind the manufacturer's warranty conditions. Gryphon strongly advise me not to mess around with the installed 8A fuse and if I used a SFDB and it went wrong, I don't think they would be interested in fixing it.
Other than flicking breakers, nothing from the wall sockets back should ever be touched, let alone modified by anyone other than a qualified electrician. The 100A fuses either side of the meter have anti-tamper seals and can only be touched by the UK Power Networks on the electrical supplier.
The only fuse in my system that I can change legally and without affecting the warranty is the 2A fuse in my streamer power inlet socket.
What people do in the USA or anywhere else may be completely different, not least because ring mains are unique to the UK.
