Another perspective: we should install whole house surge protectors if we can afford them, not only for ourselves, but to help our neighbors - even if in reality the help is minimal and they need their own as well. In the best case scenario, if everybody in a neighborhood has them, each individual house will be more resistant to surges than if they were the only house with one (five houses with surge protectors nearby is a lot better than one) - everybody wins.

You might as well phrase that as "If your close neighbours have gotten vaccines then you benefit little from getting your own."

We live in a society. Everybody chips in. And each surge protector adds to the robustness of the grid.

Eh. Most nice power strips are also surge protectors.