When I was younger lightning struck our apartment building and it killed my consumer router. I replaced it and put it on the surge protector.

A few months later we got struck again. The router survived but the building caught fire.

Now that I'm older I just accept the risk that "sometimes nature hates you". Instead of jumping through hoops to protect my gear from nature I just set aside money to replace anything I can't afford to lose.

Life's too short to play tug of war with the planet and I'd rather set aside $50/month to pay for replacements when I need them.