It seems like I usually measure about 28 volts on digital ports. Therefore, of the two options, the 39 volt clamping protector would be most appropriate. However, that still may be unnecessarily low. I have the standard five-pin protectors in our building entrance terminals. I believe they clamp around 250v or so and I've never lost a phone or port in a storm. Some of our phones are just protected by old carbons and again, never lost a phone in a storm.
If you are losing phones, I would be more concerned that your building entrance terminals are either not wired correctly or (more likely) not grounded properly. I found that once -- a BET was grounded to the phone company's protector, except that the phone company protector ground was disconnected, so our BET wasn't grounded. Still, adding secondary protectors is not a bad idea at all.
-Nelson