Thoughts on the 'need' factor of a main line surge protector

I bought one purely for the real potential (get it?) of there being an open neutral when plugging in to 50A.
I didn't bother with one for our old 30A rig but I did install surge protectors on the individual appliances in the trailer.
In either case, I always unplug if there's a lightening storm since no surge protector is going to protect you from a nearby or direct hit.