Whole house surge suppression is worth the money if, it is a high quality TVSS, properly installed (most are not properly installed), preferably with led or neon's to let you know it is working. Then use point of use plug strips or plug in TVSS at the equipment. Once again high quality with leds to give notification of faulty TVSS.
The TVSS at the main service will provide some protection and the point of use adds protection, minimizing possible surge damage. BUT understand mother nature can through a lightning strike that NO TVSS can protect against. Depends on amplitude, duration of the strike and where it hits.