That all depends on which side of the fuse. 
oh dear
Explain. 
Your bypassing the fuse, ie taking the safety out. Not good if you are loading cables with more than the they can handle.
No you're not at all.
Say you took it from the non fused side and put your own, smaller inline fuse, you'd not be putting any more load on the fuse at all but you would the wiring which could be more dangerous.
Taking it from the other side you would be putting more load on it.
There is only one side you SHOULD be taking it from though as the fuse will be rated slightly lower than the wiring if all is factory.
