We live out in the countryside, and get a lot of power "blips" and short disruptions, as well as thunderstorms with lightening. My sewing machine is on a power bar with a fuse, and we unplug the computers (we use laptops) during bad storms and whenever we go away for more than a few hours. Apart from that, we don't worry too much about power surges. We have a tall antenna with our wireless internet dish on the top - that's what's most likely to get hit by lightening, and our internet provider would replace the dish if it did. The antenna tower is very well grounded.
Jan