I will say that so far in my life I have NEVER experienced any type of surge activity that damaged any of my components, and once upon a time I never even used to unplug my gear during thunderstorm activity--I was happily oblivious.
I think this may very well be location dependent. Living in SC, I randomly asked a few people who are NOT techno or audiophiles if they’ve lost equipment to power surges and everyone I asked had. One both in the Berkshires and in South Carolina.
I’ve lost gear or been present when gear went bad half a dozen times in my life. In the last 3 years alone I’ve lost a laptop (plugged in directly) and a cable modem to surges. When I moved in there was in fact a burnt out surge protector still screwed into an outlet, presumably where a TV had been. I lose power about 4x a year due to storms, plus we have about 3 power incidents per year not related to storms when the power goes out or my UPS on my computer has to intervene or my Furman shuts the power off to the stereo or both.
The differences in experience based on geographic location certainly justifies why readers may or may not wish to spend the money for the extra protection. I 100% understand that. What I don’t understand are those who only focus on direct strikes, cause that’s rarely been how I lost gear.