How the features of the switch are different ? I think it is a cycle process. Whenever we get surge or short-circuit, there are chances of fire. So I think the bestway is to protect from the surge or short-circuit, which can be easily done by MCB.
The cause of electrical fire is not always surge/short circuit. Sometimes the appliance connected to the outlet also catch fire without short circuit/surge. As example, The lithium batteryof phones can also burst into fire when charging