I got a whole house surge protector as part of a new electric panel. It had a clear warning that it will not protect from lightning strikes. So electric panel surge protectors may not protect from lightning strikes.
Installed a new air conditioning system and they have dedicated surge protectors on both the air handler and the outside condenser.
Also have a surge protector as part of a power conditioner used with my audio stuff. Power isolator from transparent Company, and curiously it says it's a hydraulic mechanism for the surge protector. Fascinating.
If you’re going away for a couple weeks unplug your audio gear.
Had a large oak tree hit by lightning a Long time ago, it never happened again.

