GFCI was appropriately put in in 1978 for my bathroom and garage.
I see it also appropriate for the kitchen, for which I believe it is now required.
Given modern insulation, AFCI is probably a step too far, at least for single family housing.
A standard 15A-1P or 20A-1P breaker is $4-$5.
AFCI takes that to $50-$60! Times the number of receptacle and lighting circuits in your house. It gets into some money.