If you talk to the folks at ZeroSurge, they will tell you that you need point of use rather than whole house because most surges are emanating from inside the house.
It’s true most high voltage transient surges are created by induction motor load appliances and or equipment found in the home.
Branch circuit wiring in the home is fed from an electrical panel. If an appliance or a piece of equipment sends a high voltage transients surge back on the branch circuit wiring what better place to suppress, clamp, it than at the electrical panel with a Type 2 SPD.
Second line of protection is the Type 3 plug-in point of use SPD (Surge Protection Device). (Type 3 SPDs should not be connected to branch circuit wiring less than 30ft in length fed from the main electrical service panel.)
FYI, SPDs should be, approved, certified, Listed, UL 1449 3rd edition.