I am powering my device off a 24VAC transformer. This is a very common voltage in north America for HVAC equipment.

This is my latest design. 24VAC is 34Vp, so for nominal operation it works well. However, transformers are quite poor at being over-voltage under no load. And the transformers used are outside of my control.
Do you think the protection is adequate?
The chosen SMPS -
https://www.ti.com/lit/ds/symlink/lmr54410.pdf?ts=1731249147710&ref_url=https%253A%252F%252Fwww.ti.com%252Fproduct%252FLMR54410%252Fpart-details%252FLMR54410FDBVR. I guess nominal up to 36V, but can go up to 45V. I like it and it was chosen for form factor and availability. I could choose another if absolutely needed, but it's hard to not then go into higher-power SMPS which is not needed, or lower switching frequencies which require larger inductors.
In short, I would prefer to put additional protection in front, if needed, rather then a different switcher. However, if cost/complexity is too large, I am open to a more robust switcher.
My 1 additional question - since PTC is still relatively slow to trip, would the fuse+zener be better in front of the capacitors? Or would inrush current still cause a trip or bring it too close to a trip condition, and it's best left where it is.