That is what I would think. Hopefully the fuse would go before the meter.
The white wires were included with this:
http://www.summitracing.com/parts/sun-cp9087
(I do automotive work, computers, radio control vehicles, Arduino, Basic Stamp, and build circuits on a breadboard. If I find test leads/equipment cheap enough, I try to get it because I'll probably end up needing it...)
The small and medium alligator clips are used for clipping on to frames, bolts, or wires. I got tired of the alligator clip not being big enough, or slipping off what I had it on. Small ones are good for clipping on to components on breadboards - miniature adapters are best for that. Miniature clip leads are useful for testing resistors/capacitors without touching them. Large alligator clips are for clipping on to batteries so I don't have to hold the leads on. One meter came with just alligator clip leads. The odd one at the top is a wire piercing adapter that doesn't get used much.
Cigarette lighter plug is for testing them. I also have a meter with min/max that I set for minimum and whenever voltage dropped going down the road, it would beep. I was hoping the voltage drop would be an early warning signal before it stalled.
I think the problem with the analog vs digital is that the digital usually have higher input resistance and don't load the circuit down like the analog do. I have an analog meter and a Craftsman combination analog/digital meter, along with my digitals.