All the circuits should be fused or protected by a circuit breaker at least. This should be between power source and the load. The fuse protects the wire, size it at 125% the wire ampacity. I use a 12 circuit BlueSea fuseblock. If your power source is a "power station" and not a battery, it is possible the various plug ports are already overcurrent protected, negating need for another fuse/cb. Depends on the power station and port you're using.
However, you can also use a switched circuit breaker panel. This is nice as you can reset them easily, easier to see if popped/blown than a fuse, and can use it as on/off switch if so rated, and most dc ones seem to be.
Basically you want a switch on any circuit that could conceivably turn on and either drain your battery, or cause problems like water pump. So:
1. Always put a switch on water pump so you don't risk it running, and also so it doesn't turn on, pressurize lines, then turn off (as it is designed to do). Best not to drive around bumping and vibrating with pressurized water lines.
2. Things with own switches that you'll notice if on, like lights and fans, don't need another switch. If that bathroom fan might get jiggled up to on position, switch it.
3. Chinese diesel heater-- if you ever turn off power to it without letting it do its full shutdown cycle, you will cause yourself problems and future errors. So you for sure DON'T want an easily accessible switch. However, you also don't want a 460f heat source just one wire jiggle away from turning on either, so I place a switch I can depower it, but make it hard to touch so I will never reach out by mistake and turn it off when I want the heater off... yeah, I did that a few times. The added fact these come with remote fobs and bluetooth phone apps that let you turn it on remotely, and have like zero IT security controls, makes me want that thing unpowered when not in use--did you change your app password from factory and also change the remote dip switches from factory? I turned mine on once on back patio just walking around with remote fob in my pocket.
4. High ampacity high demand motors like lift jack-- make sure there is a cutoff fuse or switch somewhere! If a motor tries to spin but can't, it will pull enough amps trying to start to melt the wires. I had a trolling motor on my duck kayak, once when I shoved it up into weeds on bank, the rotating handle on switch got turned on, and the prop was blocked from spinning. I didn't have it fused, it was an 80 lb kayak... all the wires caught fire and the lead battery terminals melted. I turned around from throwing a decoy like 1 min later to flaming wires and bushes and molten lead running into my plastic boat! Ended ok, but convinced me that 12v dc motors that may not turn, absolutely need a fuse. Later found fine print on trolling motor directed that, though its wires didn't come with one...
Truthfully, I actually run all circuits through my dc fuseblock, and then power that with one 10awg 30A 12v cable from my Pecron 1536Wh power station. So I can depower everything by just pulling 1 connector, an xt60 plug. Which I do. This basically solves most of my issues for stuff accidentally running while driving.