Good post, thanks,Not required, I looked it up, see edit to my post above.
If you notice the photos the panel does have something new to me. The bedroom, LR, office breakers are "arc" protectors required by what I am told by an electrician at my house some time ago doing warranty work.
I know what they do and I am sure they must be required because no way would a builder voluntarily install them *LOL*
So pretty much, it seems almost anything not on a GFCI has "arc" protection.
The GFCI's installed in our community are higher end ones used for outdoor installs too because according to the electrician they got a great price on them and decided to use them inside and out to keep things simple. That was my intial warranty call to them, as there is a slight red flash every minute or so. They were even thrown off at first and then someone who knew what he was talking about gave me the model and reason. I did look it up myself. GFCIs are required to self test but these actually indicate when they test with the red flash.