[Neel]

A very simple solution is to wire an inline fuse into one of the leads of the multimeter.. This way you avoid the expense and time of replacing the meter's internal fuse.. I did this with all the multimeters I used when teaching multimeter useage to students.. Also, even experienced users can forget to swap leads around sometimes..
Test lights.. If you must use a test light, buy one that has high impedence.. A regular test light plugged into a computer circuit can cause more damage than the cost of a good multimeter..