Let's break down the situation and figure out if 25kA is sufficient and what your options are.

Understanding Surge Suppressor Ratings



kA (kiloAmperes)

This rating indicates the surge suppressor's capacity to handle a transient surge event. A higher kA rating generally means it can withstand a more powerful surge and may also provide better protection over its lifespan.

Is 25kA Enough for Whole House Protection? Generally, yes, 25kA is often considered entry-level for whole-house surge protection, but may be adequate. It's a common and widely used rating. However, it's not necessarily the best or most comprehensive protection. Factors Influencing Adequacy



Location

Areas with frequent thunderstorms or proximity to industrial facilities might benefit from higher kA ratings (40kA, 50kA, or even higher).

Electrical Load

Houses with many sensitive electronics (computers, TVs, home theater systems, smart appliances) benefit from better surge protection.

Layered Protection

Whole-house protection is most effective when combined with point-of-use (plug-in) surge protectors for your most valuable electronics.

Local Codes/Recommendations

Some jurisdictions may have specific requirements or recommendations for surge protection.

Tradeoff

Higher kA ratings often come with a higher price tag.

Why the Difficulty Finding a QO Pigtail Neutral with Higher Rating? Demand and Design

There is generally less demand for pigtail neutral surge protectors, so there are fewer products available. It is also cheaper to manufacture it in a plug on neutral fashion.

Cost

Higher kA ratings generally increase manufacturing costs.

What are your options


25kA with other protection



Accept the 25kA rating

If you are installing point of use protectors it may be adequate and better than nothing.2.

Plug on Neutral



Use a plug on neutral style

It would require the breaker panel to be installed with the correct neutral bar to be easily utilized.3.

Hardwired Options



Install a Surge Protective Device (SPD) with a higher kA rating

Install a hardwired SPD after the meter, that is a high power surge protector, and then install a plug on surge protector in the panel.4.

Other Brands/Manufacturers



Look at other manufacturers

Leviton, Eaton, and other brands might have a product that fits your requirements that Square D does not offer.5.

Consider a different style SPD



Externally mounted SPD

There are some SPD modules with higher kA ratings that mount outside the panel, connected to it via short wires. These are often used in commercial and industrial settings, but could be adapted for residential use.6.

Consult with an electrician



Get professional advice

An electrician can assess your specific needs and recommend the best surge protection solution for your home, taking into account your location, electrical load, and budget.

In summary: 25kA is a common entry-level whole-house surge protection rating. Consider whether you need a higher rating based on your location, electrical load, and budget. Layered protection is often the most effective approach. Explore your options carefully, and don't hesitate to consult with a qualified electrician for personalized advice. Flag for review