You do want your refrigerator on one. What when your mom is putting a metal saucepan into the fridge of leftovers, knocks and smashes the lamp inside, and the AC lamp power supply kills her though the metal saucepan?
What when a baby puts a fork into an electrical outlet in the living room?
What when floodwater comes in and kills everyone on the ground floor of your house while you are frantically wading in the water trying to move furniture upstairs?
There are plenty of times you want a whole house GFCI.