Living in Central Florida has exposed me to some intense lightning. If you use lightning rods, make sure they are connected to a "common ground." Also, make sure the house ground is part of the network ground. I learned this from experience. I had my TV antenna tower connected to a ground rod next to the tower. Lightning hit the tower and came through the house looking for the house ground. I received about 1,500 dollars in damage. The house ground had a different ground potential than the tower ground which caused the voltage difference between the house ground and tower ground during the strike. Current then travelled between the two points which means it went through the house wiring... What a disaster. I then ran a number 4 solid copper wire between the two ground rods to correct the problem. A year later lightning hit the tower again, and did not do any damage inside the house!!! The lightning did destroy my TV amplifier that was connected to the antenna.
Other types of damage I have seen have been from other points of entry into the home. The power lines are one big one since they are easy lightning targets, and the other big culprit is the telephone line. A nearby lightning strike can induce a large static charge onto the phone or power line, which will send a nice spike into your appliances or computers. It is best to eliminate these transient voltages prior to entry into the home. Otherwise, you may spend more money putting individual protection on each piece of equipment.
The Square D arrestor is a good idea to install into your power panel. It will shunt any voltage greater than 180V to the neutral. The phone company has an MOV that they can install at your network interface point, which will eliminate any transient voltages before it enters into your household phone wires.
The whole idea of lightning rods is to dissipate the static leader charge before it strikes. The second use of the lightning rod is to give all the energy a safe path to ground.
Overall, nothing can survive a direct hit, but you are more likely to encounter the transient voltage issues of nearby strikes. In Florida the average lightning bolt travels 3 miles to earth, the heat generated is hotter than the sun, and it burns oxygen o2 into ozone o3. After travelling 3 miles, a little air gap component of 3 inches would not stop the lightning from hitting its target.
Joe