Fuse sizing for 12V device: Is 1A blade fuse too high for 10mA operating current?

Assuming a load without significant inductance or capacitance am I correct in thinking the fuse should be about 1.3 times the expected operating current then use the next available sized fuse above this?
Additionally, at what point is the fuse size too large? What the general rule here? Is it at twice the operating current or 3, 4, 5 times?

I assume this depends on whether it’s being used to protect against short circuit or overload. How would you decided what to use based on protecting from:
1. Short circuit, and
2. Overload

Example, I need to protect a electronic device (a 12v counter) from overload. Operating current is 10mA and I’m using automotive style blade fuses. The smallest available is 1A, which is 10 times the operating current, is this too much to offer adequate protection?

A fuse is a very complex and disastrous component.
Fuses below 500mA are very delicate and often fail for no reason and render the equipment inoperative for no reason. Quite often your equipment will sustain an overload for a long period of time without damage and come back to life. But the fuse will blow and render the equipment "dead."
Quite often a component in the circuit will be the best fuse as it will burn out when there is a definite fault.
You need to test your equipment, with and without a fuse, and prove me wrong. I have been designing equipment for 50 years and the facts are completely different to what you think.

Many technicians, to prevent the fuse from blowing, recklessly use a piece of copper wire in its place. This practice is very dangerous and disastrous for the device.
If the device does not have a large pickup at the beginning, double the amperage of normal operation can be used.
There are many SPICE models of fuses, where the burning current can be set.
Greetings
Giovanni