I moved to South Florida 5 years ago, and my first thing was to protect my audio systems (mini studio mixing rack), entertainment audio-video units and computers (including the internal network).
All these are plugged in Furman surge protectors (Mx8 I believe) and all my network devices are my own, rated for surge protection (24kV I think). The place I live in is said to be the Lightning Capital of the US, and without claiming that to be true I can tell that we have a lot of electrical storms, on top of the full storms specific to Florida. Never had a device damaged, but had many times where the devices have been turned off by the surge protector during storms.
That said, I agree that surge protection is complicated, and especially in relation with lightning. What I did with my setup was to help my equipment’s chances during such incidents, and so far I’ve been able to keep them alive. Luck is one part, but preparation helps too, in my opinion.
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