have rarely used more than 16 circuits, the fuse panels I buy have 16circuits generally consisting off
6 x batery circuit brakes, horn, interior light, radio memory etc
6 x ignition cicuits gauges, indicators, wipers thermo fan fuel pump etc some of these you may not need
2 accessory circuits heater and radio
2 spare slots to carry spare fuses
headlights should be fed from the battery cable via a circuit breaker i.e not fused