Well, I guess I would add...
I have not experienced, but read of lighting striking near a house and frying half the electronics within without touching the electrical.
It is extremely rare, but it does happen. If you are playing the odds this is not the bet to take, anymore than not wearing a seat belt because you think getting thrown clear of your car is a good idea. 99.9% of damaging power surge issues won't be like this.
It's important to note that in-panel / in-meter surge protectors have been added to the NEC because of life-safety issues as much as anything else. Whatever you do, this is the one thing you really should.
I do go 1 step further btw, I also air-gap my incoming Internet connection via fiber adapters.
Best,
Erik