I will try to explain.My writing skills are all over the place , so please excuse..
B curve: 3 to 5 times the rated current, followed by C curve at 6 to 10 times and D curve at 10 to 15 times.
Inrush and over load are two different things.
Equipments like motors etc have inrush current of many times the normal current which lasts only for a small time at start up.
So the breaker supplying them should be capable of withstanding it to avoid trip at startup.
For example, a C curve,10 A MCB will withstand 60 to 100 amps but a B curve breaker will only withstand 30 to 50 amps for a short period of time before it trips.However both of them will trip above 10 Amps on a long time.
The whole idea is to protect the load but at the same time avoid nuisance trips.The curve type also dictates the short circuit current (i.e current caused by a fault or a short in the cable,equipment etc..)the breaker will withstand before it trips.
Hence the MCB chosen for a load will depend on the type of load, normal current it draws and short circuit currents in the location of the equipment.Hope this makes sense.
Surge Protection
Now coming to SPD or surge protection devices,
It protects the equipments in your house from any incoming surge from the street service mains/supply line.This can be a switching surge, a lightning surge etc.Most Surge protection devices operates in a sacrificial method where it shots the phase to ground and destroy itself .They are wired such that one end takes the phase and the other end is grounded. The SPD will remain open in a normal operational scenario i.e normal voltage. But when a surge occurs , the voltage increases and the SPD will conduct the current to ground thereby diverting the energy to ground before it reaches your equipments .They are varistors that conduct electricity only after a certain voltage.
But please note, Nothing can save your equipment's if it is a direct or nearby lightning strike.The energy is so high that, it would destroy the SPD as well as your equipment.The only safe way is to unplug the equipment's from the wall socket when not in use or during a storm atleast.
I have seen very bad results of lighting strikes at commercial installations despite of their over the top lightning and surge protection systems.