I think John once worked out that an extractor fan stalling could not cause enough overload to blow a 3A fuse.
I expect he we remind us.
I'll accept that. I've no idea what the stalled current in my plinth heater would be, hence my rather uncertain '... a chance...' wording. Likely a nil/negligible chance as you (or John) say. I'll not be testing it in that manner .
Would you fit a 5A or 13A fuse? Probably not, but it doesn't matter, does it?