I use PW ZWs for my layout. The terminals that feed the track get a 10 amp fuse and also a 3 or 4 amp Eaton FAZ breaker. The terminals that feed accessories get a 5 or 10 amp fuse. Ten amp for switch motors and solenoids and 5 amp for lights.
Accessories can have very small gauge wire. While they never have a derailment, a short is possible and I don’t trust the ZW breaker to prevent melted wires, copious smoke and maybe worse.