Larry, you do have an interesting dilemma. Everybody has an opinion as to how things should be done, or what product to use. What's right for me may not fit your needs. Yes they are expensive, but my opinion is that if I had a severe surge, I would rather replace the surge protector than maybe, say, oh I don't know, a couple of AC units, microwave, a couple of TV's, refer, converter, that electric mattress pad or any other appliance in use. So no matter which way you decide to go,the bottom line is what my mother used to say, "always use protection".
Peace
Dave