It does not really matter if one only wants to do voltage measurements. The typical mistake / accident scenario where you need a proper fuse is to accidentally have the wires in the current terminals when you want to measure voltage.
While yes, you can do voltage measurements. Particularly on low voltage circuits, be very careful when measuring mains.
Yes, most common mistake is user leaving probes in current jacks and blowing the fuse.
The point of CAT safety rating is guarrentee the user will be safe from energy surges.
Yes, the chances of getting a high energy surge through mains is very very low.
If you do get one, the CAT rating means that the meter will protect you from explosive damage inside the dmm. You are protected - not the dmm.
Just check out eevblog video on blowing up dmms.
MJ Lorton also got a demonstration from Fluke labs on how bad dmm explode - yes this one is over exagerated but yes dmm do explode like that.
My advice is to not worry too much, just like the others are saying. The meter is ok to use on low voltage circuits.
Avoid using the dmm on live mains measurements. Be very careful if you do. Avoid holding the dmm if you do.