Lightning protection is expensive, and damage from lightning is extremely unlikely. A whole house surge protector will not prevent lightning damage, and, if you read the warranty, it basically excludes almost everything that it is designed to protect. Homeowners insurance will cover most damage from lightning and electrical surges.

Testing shows if you do both, the effectiveness of the combination is good.

Nothing is perfect, the idea of to reduce the severity and risk.

It's not much more expensive ($1-2 K depending on home size) than my deductable. The time and inconvenience of making a claim is huge. Making a claim can get you cancelled.

Adding protection to a home with metallic gas lines in the attic is a no brainier...