circuit protection

i've been thinking that if i want to be a real grown-up with probes or circuit-pc interfaces, i'll need to use some protection. ptc resistors are cheap and easy overcurrent protectors. they basically increase in resistance by orders of magnitude when they pass a critical current. digikey has one that trips at 25 mA, about right for mcu io. varistors (eg mov) and avalanche diodes have a complementary role, passing large currents at critical voltages. so maybe a transient voltage suppressor in parallel with a load with a series ptc (with maybe a ~high power resistor to absorb the energy) could protect against both esd and stupidity in a cheap and easy way. according to littelfuse, though, the tvs can have too much capacitance to use them on high-bandwidth signal lines. they recommend their powerguard pgb0010603, which mouser carries for ~30 cents each.