It would have saved me a lot of thinking if I had found and read this thread before I began tricking out my Subaru and my garden tractor.
I concluded as others advised, there was really no need to connect directly to the battery and to instead use the fuse block. Even today, most home installation gear advises going directly to the battery: entertainment systems, lights, etc. etc. I think the reason is to prevent the really clueless DIY'er from screwing up the wiring/breaking something that is buried deep in the chassis.
At the battery, at least the problem is quite isolated. A downside I see is to direct battery connection is not being able to connect to the switched side of power distribution, which can drain your battery if left on. Another think I always ascribed to is keeping all your grounding connections in one spot to avoid any chance of a ground loop. Just like we do on the RF side.
Someone asked how to connect to the fuse block. There's a really easy way nowadays, with a pre-made fuse holder pigtail. Sometimes called "add-a-circuit", they are easy to find (ebay) and as cheap to buy as to make. Also easy to remove if its ever necessary. Just make sure you plug it in the correct direction, so you are on the fused side, not the unfused side. I'd post a photo but I don't see an icon to let me do that.

For my lawn tractor, I went as far as buying a small fuse block, as I keep adding electrical stuff to it.