I am having trouble trying to understand new code.

It says (or so I understand) that a GD, DW and refrigerator now be on AFCI and GFCI **RECEPTACLES**. Is GFCI required if those appliances (GD - DW) are hard-wired? 

Does refrigerator need to be GFCI if it has a dedicated 15A duplex receptacle (surge protection) that is not readily accessible?

Microwave- Does it require GFCI if on a dedicated 20A AFCI breaker with simplex receptacle enclosed in a kitchen cabinet?

GFCI and AFCI receptacles must have really improved in dependability in the last few years.

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Sorry, I did not make myself clear.

Not AFCI/GFCI receptacles themselves, but if the GD (disposal) and DW (dishwasher) are not powered though an appliance cord and receptacle, is GFCI protection on those circuits required (I understand the AFCI need)? I will hard-wire both components (GD and DW) as I have doubts as to having plug-ins under the sink cabinet and their possibly being hit and loosened or pulled entirely.

Also, does the dedicated 20A MW (microwave) circuit require GFCI if the receptacle is mounted in an upper cabinet (over MW and range):

...and is GFCI needed on a dedicated refrigerator 15A circuit, the receptacle being behind the refrigerator and non-accessible?

I guess what I am asking in short is if GFCI is needed on a GD and DW separate circuits if they are hard-wired with no dedicated receptacle(s) for them @ or under the sink cabinet and is GFCI needed on hidden dedicated appliance receptacles, these being separate from the SABC(s)? Neither appliance will have an accessible receptacle above or below the sink.