Yes, I carry spare fuses. I've only ever blown one fuse, and that was the headlight fuse, a couple years ago.
I carry the following spares:
Mini Fuses:
30A (ABS Motor Fuse)
20A (Headlight, ABS Solenoid, Radiator Fan, Ignition, Handlebar Outlet)
15A (Handlebar Outlet, Dashbar USB Outlets)
7.5A (Signaling System, ABS Control Unit, Parking Light)
5A (Rear USB Outlet, Zumo XT Power Supply)
3A (OEM 12 Volt Outlet)
Full size Fuse:
15A (onboard tire inflator)
That's absolutely overkill, but it's just the way I roll. Out of all those, I'd say the one you're most likely to need is any fuse that protects an outlet that you plug stuff into. The 3A fuse in the OEM 12 volt outlet is one that gets blown when guys plug air compressors into it. I carry spares for my add on 12 volt outlets and USB outlets mainly in case anyone ever plugs something in that has a short (the 12 volt outlets are wired to handle 15A and 20A loads).
One that I don't carry but should is a 50A main fuse, just in case I ever have a moron moment and mix up the leads when I reconnect the battery.