can you give me some more specs that I should ask for on surge protection when I go to buy a device, or what would you recommend?
You can spend as much as you want but will never stop everything. Just think about lightning: It has jumped an air gap that is miles wide so what you do at the last few inches or even feet can't cure all the ills.
That said: At entry, you can start with an isolation transformer, a spark gap (a crowbar device that is basically an arrestor... meter might provide this), low-pass filters, and clamping devices like MOVs. This can be followed up with internal protection using point-of-use protection (surge strips and/or combo UPS devices).
You can buy hybrid transient voltage surge suppressors (TVSSs) that have a spark gap, low-pass filter and MOVs included.
You will not prevent the incident, only reduce the probability of greater damage.
Or you can put in a generator to isolate yourself from the utility.
As for me:
I'm not interested in spending loads of money at home. A computer/data center or manufacturing facility might be different. Time can mean a lot of money as well.
At home, I use surge protection strips on TVs, stereos, etc. I have SPDs and UPSs on my computer equipment. I have also made sure my service and panel are properly grounded.
As for the wiring, refrigerators, freezers, etc., the insurance is good enough for me.
I'm not sold on whole-house surge protection and don't mind installing them, but someone might be able to convince me otherwise.