Using the INSERT/UPDATES is kind of limiting for your events. Usually you will want richer event (higher level information) than the raw structure of a single table. Use this feature very sparingly. Keep in mind that LISTEN should also ONLY be used to reduce the active polling, it is not a failsafe delivery system, and you will not get notified of things that happened while you were gone.
For my use cases the aim is really to not deal with events, but deal with the rows in the tables themselves.
Say you have a `thing` table, and backend workers that know how to process a `thing` in status 'new', put it in status 'pending' while it's being worked on, and when it's done put it in status 'active'.
The only thing the backend needs to know is "thing id:7 is now in status:'new'", and it knows what to do from there.
The way I generally build the backends, the first thing they do is LISTEN to the relevant channels they care about, then they can query/build whatever understanding they need for the current state. If the connection drops for whatever reason, you have to start from scratch with the new connection (LISTEN, rebuild state, etc).