It’s cheap insurance. I knew somebody that had to replace their newer smart appliances a couple of times within a couple of years because of power surges. We all have expensive items plugged in and any help in surges is cheap insurance.
In the long run, you might save a couple of dollars buying the surge device yourself, but do you get the insurance, do you get free support meaning if a surge breaks the surge protector, you have to pay if you own it, I call the utility to replace it for free.
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