NTCs are for inrush current but that is not my issue here. Lets say i have a Charge current of 300mA max (relay contacts at DC). An NTC that draws enough current at nominal conditions and room temperature (or even -20) will have way too low curretnt to heat up and have its desired runaway condition. Furthermore what im concerned with here is thermal protection in a fault case. Using an NTC and having a fault (Device powered by the battery shorted or low impedance) the NTC will not limit anything, it will increase current until it explodes in an exponential runaway, definitely not better than a normal resistor getting to hot.
Big resistor and thermal Fuse yes, thats what i said in the opening post but im looking for alternatives, preferably one that is not bodgewiring a thermal fuse to a resistor by hand.