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One reason is that if you try to collect on homeowners, you would likely have to have a rider on the policy, since lightning damage isn't usually covered (act of God, ya'know), and if you WERE able to collect, your rates would go up from that point forward. Y'all do what you want. Disagree if you want. I've got a Tripplite. (Triplet was an old analog voltohm meter)
One other thing a lot of folks don't understand is that power fluctuations that don't kill electronics can still damage them and shorten their lifespan. Put good power into a $2500 set and it might easily last 10% longer. Over the life of the electronics, the device will pay for itself.
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