your thinking about the post when another person told me I might be better off with a submersible pump
Not so. Regardless of the pump type, my comment is in response to your post whereby you indicated having only a 10 psi differential setting.
Any pump motor will require a high amount of current when starting so it is advised to run the pump less frequently but longer once it is operating so as to dissipate the heat generated. A 20 psi differential (ie: most common setting) will reduce the run frequency especially for small water draws but the pump will run longer once it has started.
You indicate having 3 submersible pump failures which seems excessive. If the failures were due to voltage spikes caused by lightening, it is advisable to install a lighting over-voltage protection device on your home's entire electrical system., not only to protect the well pump but also your other appliances and electronics.