Joe:
Summer t'storms are scarier than we ever thought up north (whether MN or MO).
I, and several neighbors, taking advantage of a group discount, installed lightning rods a number of years [at least 5] ago. For designer homes, all of $1,300 per home.
None of us are completely confident that we are "fully protected," but we are highly confident that we are!
Frequently, the resident's comfort level is all that matters!
SWR