A surge protector is an insurance policy really. I don't buy extended warranties or protection plans. I DID buy a surge protector for our RV.
Remember that a good surge protector
like these do not just protect against surges caused by lighting or utility company surges. They also protect against brown-outs when the voltage sags. For me, this was the more important reason to get one. Sags can occur on overloaded power systems in rural areas (i.e., an RV park in the middle of the country with everyone using their RV air conditioners). They can also occur from lose electrical connections, so in cases where maintenance on the electrical pedestals isn't what it should be.