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

I pay about $2500/year to insure the house, vehicles and toys. Each year, not just once.
I paid a little over $200 for the EMS. Just once. Pretty cheap insurance.
Never had a claim for house or vehicles. But I keep insurance (not minimum either) on all of them because of those 2 guys. Y’know, Mr. Murphy and Justin Case.
I don’t give a rat’s behind if anyone else has any electrical protection or not.