There seems to be some confusion on what a relay actually is.
On a relay you will have a main voltage say 20 amp coming into one pin of the relay, (we'll call this pin 1) , and then another pin that goes to the headlight, horn or whatever is going to be the source, ( we'll call this pin 2). You will have 2 other pins, one goes to the switch ( pin 3 ) and the other ( pin 4 ) likely goes to ground. When you push the light button, starter button, horn etc ( pin 3 ) it sends it to ground which completes the circuit and then allows current to flow between pins 1 & 2 ),.
Another good example of this is on a water cooled engine ( including motorcycles that have a fan ). When the temp sensor in the block, rad or wherever it is, reaches its set temperature range, then it closes the circuit ( shorts it to ground ) and the fan will start. Most if not all of these temperature sensors are protected by a relay of some description.
A properly designed switch, and I don't believe that Suzuki or any other manufacture would design a switch that wouldn't handle its rated load, is not going to cause problems. In the example of the fan switch above the stock fan sensor was designed ( this was a first generation gold wing ) to handle the current draw and rarely ever caused a problem. If you wanted to use a car type sensor ( different temp range etc ) then you had to protect it with a relay, otherwise it would fail. The reason was that it was not designed to operate at the high current draw of the the fan motor. However the stock gold wing temp sensor was.
There are many good examples on the web of relays and how they work for those that are interested.