I'm sorry, Liquitite, but you're understanding of code requirements is overly simple, and wrong.
Code specifies that some circuits be AFCI protected. Code specifies that some outlets be GFCI protected.
There are some outlets that are not mentioned in either set of requirements, or are excluded from either requirement. Examples of these are the outlets for most major kitchen appliances, and outlets in stairwells.
The dining room is at the opposite extreme- it must meet two sets of requirements: it must be served by a 20-amp 'small appliance' circuit (which often results in GFCI protection), and it must be AFCI protected.
Without available AFCI devices, and the lack of 2-pole AFCI breakers (I think C-H has the only one), you can pretty much forget about using a multi-wire branch circuit.
To go off on a little tangent regarding MWBC's: I recently bought a roll of 12/3, and noticed a few changes. First of all, this stuff was flat, rather than round. I thought for a moment I had the wrong wire. Then, after stripping the cover back, I noticed that the neutral was gray in color.
I have never seen Romex with a gray neutral before. Keeping in mind the new NEC restrictions on MWBC's in houses, I suspect this is an attempt to 'identify' the neutral for the mwbc.
Naturally, this brings up some lovely issues regarding our attchment staples. Even where listed for use with 12/3, we don't know if that listing is for flat cable, round cable, or both. Since the listing usually allows you to fasten two (flat) 12/2's or one (I assume round) 12/3 under a staple .... does that suggest I can stack two 12/3's under a staple?
I just might start a thread on this ....