Hey OP:
Siemens (Boltshield), Square-D and Eaton make plug-in protectors for their panels. Others may too. They take up 2 breaker slots and take about 5 minutes to install. I am surprised your electrician didn’t recommend one as they are required as of the 2020 NEC guidelines.
At the stereo or PC I use either Furman with SMP or Tripp Lite for the PCs and less sensitive stuff.
I’m afraid I’m often away from home when thunder comes rolling around so I know for sure I can’t always be around when it’s time to unplug things. I work from home too so the amount of surge protection and UPS units I have is a little ridiculous. 😁
For your cable/network coaxial line put a gas discharge protector with replaceable gas tubes outside at the ground block.
The whole house surge suppressors are a no-brainer when you consider how much they cover. They won't keep your delicates (PC/Stereo) protected, but consider I have 8 GFCI outlets in this modest home. They cost about $20 each. Add to that all of the smart switches (about 10 of those) for lights and ceiling fans around $30 each, plus the new AC units... a $150 surge protector + installation makes sense. Plus, they help surge strips work better by keeping most of the current at the entrance.