...terminal failures in our forced failure lab.
AAaaahhh... So you're FORCING these failures!

That explains how you can get those numbers.
Have you ever personally found a naturally-occurring failure like that? Particularly: on a vehicle - particularly: on a Ford? I haven't, working at several dealerships and independent shops, and browsing junkyards for decades. The closest I've seen is the fuse pic I posted before, and even though that's relatively common, I've never heard of anyone having a fire from that - the blower just slows down. The SCDS recall is sort of the same process, but that's still a VERY different failure mechanism.
But back to the original topic...
Do you think THIS fire could
not have been prevented by an appropriate fuse? IOW: do you think the current necessary to set the box on fire was LESS (by at least 10% ) than the current it normally passes to run the engine?
Could that circuit be shared with other things, even on the later model systems like yours?
I measured a jumper wire in place of the fuse, so I was measuring everything. And on '92-96 trucks (like mine), that fuse only feeds the ICM, coil, PIP, RFI cap, and the TRIGGER side of the EEC PWR relay (thru a diode). Other than the diode (a common 1/4W) & relay (a common Bosch/ISO/Tyco cube), the whole circuit is shown in these diagrams:
.
Or is there some set of circumstances where some sort of spike could be encountered you think?
Not a spike that would 1) blow a 3A fuse but not a 20A, and 2) be desirable to allow. At least, not that I can imagine...
Or maybe it's just an industry standard... So just fuse it for the wire gauge.
Not that I've ever read, heard of, or been taught. Even if the factory oversized the wire for future expansion (which is incredibly rare), it still wouldn't benefit Ford to install the oversized fuse to match loads that might never be installed. It would still be prudent to install the correct fuse for the existing load, and put a note in the owner's manual or body-builder's book that upsizing the fuse is OK.