I was thinking of the meter installed unit, supplemented with a rackount type solution with plugin surge suppression modules for cat5, phone, coax (ie: cable or satellite). The logic being, anything entering the house will be protected prior to distribution.
His advice was to skip the meter unit due to cost - nearly $1000, which must be replaced after it's tripped to maintain full protection. You also need to arrange with your power co. to disconnect the power prior to hookup.
Somebody is feeding on ********. Any protector that fails after a surge is a complete scam. Protectors, grossly undersized to fail on surges too small to cause appliance damage, are therefore recommended by a majority. Protedtor failure gets the naive to recommend it. Effective protection means nobody knew a surge existed. Instead, earth one 'whole house' protector to make even direct lightning strikes irrelevant.
Assume everyone (even your dad and me) is lying until you have numbers. A minimally sized 'whole house' protector is 50,000 amps. The typical direct lightning strike is 20,000 amps. Waste no money on protectors (such as Belkin) that do not even claim protection in their numeric specs. Don't take my word for it. Put forth those numbers. Where does Belkin claim any protection (other than myths in sales brochures)?
First, effective protection is provided by companies without soiled reputations (such as Belkin or Monster). Effective 'whole house' protectors are sold by General Electric, ABB, Siemens, Intermatic, Leviton, and Square D. One from Cutler-Hammer sells in Lowes and Home Depot for less than $50. And again, you always view its numeric specs. Effective protectors for AC mains start at about 50,000 amps. Effective protector means surges for decades without failure. But those protectors do not have the massive profits to pay for lies in advertising.
Second, no protector does protection. Not one. Either a protector makes the always required low impedance (ie 'less than 10 foot') connection to single point ground. Or it is not effective. Not resistance - low impedance. Many electrical techs never learn about impedance. Why are 'whole house' protectors so obviously effective? See that dedicated wire for the short connection to earth ground (not safety ground - earth ground)? Major difference between that and the Belkin ... that does not even list protection in its numeric specs.
Third, anyone who discusses protection must always define where energy dissipates. Wire impedance is that important. A lightning strike down the street can be a direct strike to every household appliance. Either that energy dissipates harmlessly outside the building. Or that energy hunts for earth destructively via appliances. Only you make that choice. Nothing inside a building - even a $2000 protector - stops that hunt. For over 100 years. And in every facility that cannot have damage. Everywhere that effective surge protection is installed. The most important 'system' component is "single point earth ground". Some protection systems have no protectors. But must always have earthing. Every one of those four words has serous technical significance.
A protector is only as effective as its earth ground. The Belkin obviously does not claim protection. 1) No dedicated wire for that always required earthing connection. 2) Belkin will not even discuss earth ground. Why discuss something that well only harm profits?
Protection is always - did I include the word always - about where energy dissipates. Did someone recommend a protector and not discuss where energy dissipates? Then he is probably promoting a scam. No protector absorbs hundreds of thousands of joules. No protector makes energy magically disappear as the Belkin claims. . Nothing on the outlet is earthed. Therefore it does not even claim protection in its numeric specs.
One 'whole house' protector, if connected short (low impedance) to earth, means hundreds of thousands of joules do not dissipate destructively inside the building. It is that simple. About $1 per protected appliance. Every protector is only as effective as its earth ground. No earth ground - ie Belkin – means no effective protection.