The original question - in my mind, as the OP - was for people who actually have (or have had) onboard generators, about how they found them wired from the factory/dealer. Were they fused, or not? The discussion was never intended to be about what the starting current is or isn't.
As I build out the new system, there seems to be strong recommendations to use appropriately sized fuses to protect various segments - but as found, the cables are landed directly on the battery terminals, completely inside any form of overcurrent protection.
Looking at the OEM install manual for the Onan 2500 LP generator(s)... it recommends #2 AWG for installs up to 45 ft (total round trip length). It recommends *against* using the frame for the negative return if possible, and while it calls out specific torque values for the connections, it doesn't show or recommend anything specific as far as OCPD. Also, it mentions having a battery with a minimum of 360 CCA, on up to 1000 CCA.