Hello JW and all.
The use of a ammeter on AC and holding it in your hand is different than Connecting it into the circuit.
You are just reading the Current going threw the wire. Unless you are reading DC current, you need no direct connection.
Cat II is rated at 600 Volt. If You have more than that in your house, Then the Transformer Is on the wrong tap, Wont come close to 600.
The Fuse on the meter is to protect the meter for operator error, Not for the users protection, Just protects the meter.
Using the Proper rated leads is more protection than any fuse will proved. Fuses blow slower than flesh.
JW, Have You ever heard of keeping 1 hand in your pocket ?
If you work on 3 phase systems then of coarse you need at least a CAT III meter.
CAT II is fine for working around the house, and is considered Low voltage. It depends what you compare it to.
You mix Apples and Oranges when you say a ammeter is the same as a voltmeter, as far as safe use.
Same applies to hand held Non Contact Devices, Thay are safer, but not as accurate.
Direct connection to a unknown voltage is always a risk.
I guess I am not hearing where you are coming from.
We are talking about working around the house, not bench or factory work. Single Phase System.
Unless a factory is your home.
A neon Bulb is better that the touch test. The old timers used the touch test, But I do not recommend it.
I will not throw my Neon tester away, The screwdriver still works, lol.
Enjoy your day.