Breakers should be considered a safety device of last resort, not loading it up until it blows is OK. (NB: I am not a licensed electrician or engineer, but I did work as an assistant to one for a year in college under work-study, and have rewired my entire house with much study of the code and checking by a licensed electrician)
If the wiring is marginal (especially older homes or ones with aluminum wire that was used for a short while), has a poor splice or device connection, a chafed wire or some dumbass has put in a heavier breaker to stop having to reset an overloaded circuit, you can have a safety and fire issue without tripping the breaker. IMHO When it comes to electricity, it's much safer to err on the conservative side. The main reason I rewired my house is that it's a 1930's vintage, which was updated to 220 service and breaker panel when central air was added in the 60's. The problem I discovered is that the electrician took the easy way out and ran feeds from the new panel in the basement into the old 4 circuit screw fuse panel in the kitchen cupboard using it like a giant junction box after stripping out the guts. So the rest of the house was still wired with the old BX cable on three circuits. When I went to change out worn wall sockets and switches, the old insulation and even the wire itself would just crumble in my hands.
One thing to think about when it comes to garage wiring, electric motors and heating devices usually draw a whopping amount of current at startup compared to what they draw while running, so it is best to not use your wall switch to turn on a lot of devices at once. I have been in garage/shops where when we walked in the owner turned on the wall switch and a bunch of machines started running as well as the lights coming on.
