Do whatever you’d like so long as you remain informed. :)
Personally, I don’t even want to LIFT the equipment off my rack, much less deal with insurance or replacements. :) Also, I run some nice PC’s here and don’t want them to fry with my data on them, same for my music collection.
Here on the SC coast I have underground power in my neighborhood but that doesn’t stop the power from glitching due to transformer and other power issues elsewhere. My surge protectors or UPS has to intervene about 3x a year even without lightning or known vehicular assaults on my gear. :)
As for the rest of the home, I have a lot of permanently attached devices besides major appliances such as automated lights, fire alarms and GFCI outlets. I met a man a month ago or so whose home was struck and he lost his entire outdoor AC units. No idea if a WHSP would have saved him, but just evidence that we are prone to that kind of damage here.