It is my understanding that the only royals with around the clock armed protection are the working royals. Prince Harry and family do qualify for that protection when they visit the UK on official business (eg. his grandmother's funeral) and when they request it with 28 days notice. This is decided by the Home Office and it makes sense to me that this is now a large family with grandchildren working, in university, etc. and to provide that armed protection 24/7 for all of them would be very expensive and perhaps unnecessary. Unlike North America, only especially designated members of the police force even carry guns.
This is not correct. The only royals who get around the clock armed protection are the King & Queen and the Prince & Princess of Wales & their children. The King's siblings & their spouses, children & grandchildren do not get 24/7 armed protection.
Working royals are the following:
King & Queen
Prince & Princess of Wales
Princess Royal (occasionally accompanied by her spouse, Admiral Lawrence)
Duke & Duchess of Edinburgh
Duke & Duchess of Gloucester
Duke of Kent
Former working royals include:
Duke & Duchess of Sussex
Duke of York
Duchess of Kent
Princess Alexandra
Never been working royals include - though some of these will occasionally attend Garden Parties at Buckingham Palace & other events in support of the main core of Working Royals:
Peter Philips & family
Zara & Mike Tindall & family
Princess Beatrice & family
Princess Eugenie & family
Lady Louise & Earl of Wessex (both are still in school, though)
Prince & Princess Michael of Kent
It's my understanding that Harry has been turned down every single time. I may be wrong. I don't think he got protection for QEII's funeral & that may have played into why he immediately left the UK. Or is that the time he left for Archie's birthday?
Harry & Meghan got protection for QEII's funeral - they were staying at Frogmore Cottage, which is within the protection corridor of Windsor Great Park & anytime they left their home they were with other royals and certainly equally protected.
He has not received protection when he has come to the UK recently because he is unwilling to stay at a royal residence - he wants to stay at a hotel in central London instead of at Clarence House, St James Palace or Windsor Palace. That is why he only stays as long as is necessary to continue his never-ending lawsuits against various entities.
He left immediately after the Coronation (within hours of the Westminster Abbey service) to return to California for Archie's birthday. But, again, he had protection during the Coronation & may have even had it while he was at his hotel for that trip because that was such a high profile event.