If I had a house, I too would probably put a surge protector on the entire house. I only have lost a wifi router, but I have at least two relatives who have each lost a computer to lightning. Other devices don't seem to be so much affected by them, but you can never know.
Also, I'd put the advanced circuit breakers with... I don't know what is it called - "leak detection"? I can't find anything in Google on that, so I guess it has a different name in English.
The idea is - normal circuit breakers only trip if there is a short-circuit anywhere (which results in HUGE power consumption which is then what triggers the breaker). But the advanced one also compares the "incoming" and "outgoing" currents and trips if there is a significant difference. So if someone accidentally touches something with voltage and gets a shock, the circuit breaker trips too and prevents further electrical injury to the person.
I don't know how it is in the USA, but around here these things are not very popular. Sometimes even the salespeople don't know that they are selling them! :D One way to tell is that the "normal" breakers are usually about $10-$20, while the advanced ones are over $60 (at least here where I live).
So, yes, they are significantly more expensive, but also not THAT much expensive, and they DO save lives.