I offered my experience on this odd occurrence , 10 amp charger fuse blowing when a 12 amp spotlight is turned on over dead battery, because I have been fighting electrical problems for quite a while on the house and Port engine circuits.
The start of the problems new seems to have been that, when new, I first installed those battery filler tubing sets over the aft Port two batteries, assuming that they would be on the same circuit since they are next to one another.
The symptoms I was having was a low or dead Port starting battery and weak house batteries, even after long charging at the slip. Of course, using the jump connector switch let everything work OK.
It now seems that, when I flooded the water filler tubing, it had connected the Port engine battery with one of the House batteries (one is adjacent to the Port battery and the other House battery is under the dinette cabinet) it was shorting out the two circuits causing a brief overload and partially blowing the 10amp fuse on the battery.
I would come back to the boat, connect the jump, the batteries would charge while cruising, and all was OK for awhile, but the system did not work well or hold a charge well.
While at the slip, I would notice that the 10 amp House charger fuse kept blowing and it was not until I plugged in a spotlight, while charging, that I saw that, evidently, when the battery is dead and you draw over 10 amps on the circuit, it blows the fuse. Dr. Bob and all you electronics experts are welcome to wade in here, but this realization is what finally led to my solving the problem.
So, I put separate water filling tube sets on each battery, put a 12V socket on each battery's circuit so I could read out what was happening on each leg separately, and replaced ALL of the fuses when I figured out that some had "partially" blown. Perhaps it was that a brief connection between the battery systems with the filler tubes was partially blowing the fuses.
At any rate, I know for certain that, if you put a heavy draw on a dead battery while it is being charged, that exceeds the amperage of the charger, you will blow a charger fuse. I was buying 10 and 5 amp fuses by the dozen trying to figure this out.
btw, my first hint of troubles should have been when I notice the Port bilge pump was not working. I had thought that the pump had probably frozen over the winter. Now I see that the problem with the pump was that the Port engine battery was shorting out on the House battery circuit.
John