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The "clutch" that connects the front and rear wheels in an AWD car is typically a viscus coupler. The reason is that as you turn sharply the front and rear wheels go a different distance. with a solid connection like in a transfer case would give you binding and jerking motion as one or two tires slipped a bit to release pressure in the drive lines. It is likely that although you are no longer getting power to the rear wheels with the fuse pulled the rear wheels are still spinning a torque converter.
On a side note I gain about 1-2mpg when I have the Differential in 2wd and the hubs unlocked on my Suzuki Samurai. Unfortunately I hardly ever get to do that as we have snow/ice in the winter and mud in the summer.
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