There are also electrical panel protection systems that guard against surges from hits to the ground or hits to the main wiring miles away. These run about $500-$1000.
These can be a little cheaper. The Seimens BoltShield I just purchased was $150 and was plug and play for my panel. GE and Square D make even less expensive units. The problem with unplugging systems when not in use is that assumes you know when something bad will happen. We often do not, so I do go with the dual protection route, and if things get really dicey then I do unplug them because I’m squeamish.
Don’t forget to put a properly grounded surge protector on any coaxial cables that enter the home. A surge there can infiltrate your electronics and wreak havoc.