I grew up in Washington State. We had some hellacious storms there. And when those tall tall evergreens fall, they take powerlines with them. We were without power once for nearly two weeks because of multiple tree falls along the lines. During that time, we had also had a lightning strike hit our chain link fence at the far end of the property. Blew out every appliance in the house, the hotwire box for the horse pasture, the warming thingies they had on their automatic waterers....
We figured it hit the fence, travelled to the hotwire fence controller, from there down to the main circuit breaker and out to the rest of the house. Thank goodness for heavy rains, there was no fire.
I've also been in a vehicle durning a severe thunderstorm....strikes all around us, we finally stopped and shut off the truck. Not 5 minutes later, the brightest bright and the loudest loud I've ever experienced as the truck was hit. There's always one person that doesn't understand.....'don't touch the doors!, she said".
Take whatever precautions you feel will help, when you are buying a surge protector for a television, it only has to be higher rated than the output of the TV, I would assume it's the same with anything else. Just be aware that there are surges - like when you run a vacuum and a hair dryer and any one other thing and trip a circuit, and there are SURGES, like the 10,000 to 200,000 of a lightning bolt.