The issue with direct or near hits is the magnitude of the energy. A typical lightning bolt runs between 5,000A to 200,000A and voltages vary from 40,000V to 120,000V. With a five microsecond burst (short bolt), that's 11kWh (running ten microwaves for an hour) and most lightning has multiple exchanges. No wonder trees explode from the steam and plasma produced. Look at all of the damage to
@rbstern's house.
Just to pick on the voltage end of things, that is three to ten thousand times higher than your wall voltage, which makes it easy for the lightning to induce currents and voltages in any wire or metal, anywhere close to the bolt, and that makes it so easy to fry modern, low voltage, electronics.
Surge protectors are for distant, not nearby hits. Lightning rods help, but only help, things out, and they require really good grounding systems.
We recently lost the ground on our power pole transformer from a lightning hit miles away (4? 6? Miles away). That's six gauge copper, and not from a direct hit, and the surge took out grounds over miles of other poles even farther away from the lightning strike. (How do I know? The power company had to replace transformers along another three miles of road.)
All the best,
Peter