I can understand wanting to protect these things. I have seen them damaged.
None of my engines have ever failed from a derailment on two rail. I haven't had very many though.
I use the Lionel 180w brick and it is equipped with a fast tripping breaker. I still add a fuse between each brick and the Tiu. I got a Z4000, but haven't wired it in yet.
I would add a fuse/link inside each engine like I used to do with DCC installs, if I were worried. I believe the TIU helps a little with spikes. If you run with passive Tiu wiring, it won't help.
Bridging districts with big consists is where I worry the most. I ran a train thru a switch that was thrown the wrong way, into my engine yard that was turned off and everything fired up. It scared the $$$$ out of me!! Nothing happened as I hit the E stop. That also doesn't work with passive wiring.
correction per GJ!