Part of the "correct answer" depends on the locale. In a "lightning alley" sort of area one cannot get enough surge suppression. In other areas I don't get too excited about transients.

There can always be one off sorts of events. In my area there is a little two story supermarket structure that was nearly destroyed by a direct lightning strike. There were weeks of major repairs. This building is nestled in an area with several nearby high rise buildings and lots of three and four story homes. Visually scanning the area one would think that this was the least likely building to attract a strike. This is not a "lightning alley".