In urban areas you probably can just have the whole-house surge protector and skip the rest, since that protects all costly electronics not just a single device. With just a surge strip on the PC I'd say you're a tad under-protected, yeah.

Incidentally whole-house surge protection is now required by code in new houses. Existing buildings aren't required to upgrade, but by my reasoning what's good for the goose is good for the gander.