I'm unbelievably lazy and this is what I do. Torch on every surface and then a patch of grass. Never had a problem.
I give people playing Minecraft with me the same warning I give my partners.
This is a blanket warning that everything I build on is chaotic in the same way my mind is, and any time you spend in my sandbox is time you spend rolling the dice on a fun new disaster.
The server I play on has Mobgriefing disabled and has had it disabled for many years since people would use creepers to blow holes in people's walls and floors on purpose. Also ghasts were blowing up parts of the nether hub and gold farm (made of glass).
They also disabled fire spreading because people were destroying stuff with it both intentionally and unintentionally.
The issue is the server doesn't use plugins since they had lots of issues after each update while using plugins and the maintainers decided it wasn't worth it to maintain that. So as is it only has a script to minitor chat for commandts like :home:spawn:warp etc. and is otherwise completely vanilla.
There are some downsides like that villagers don't breed but they also do give out spawn eggs and occasionally spawners, so it's still reasonably easy to renew villagers. Big downside is that farmers can't replant crops, so all crop farms are manual.