Lightning damage is mostly an issue if the last-mile power lines are above ground. In my experience, power surges in urban areas with a decent grid are so rare that people generally don't bother protecting their devices.

I have lived in the DC metro area inside the beltway or in Sillicon Valley my entire adult life and have only had above ground power wiring. Despite tree ordnances and wind storms and a grid so aged if we see lightning we lose power.

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