You only know for sure that you needed a surge protector after your equipment fries. Then it’s too late. For a very reasonable amount of money, you could put an almost literal firewall between your expensive (and cheap) electronics and the juice coming in from a wall socket. A surge protector throws itself into the line of fire, sacrificing its components again and again so that your devices stay functional.
These reviews are of surge protectors designed for a home office or cubicle, or a home-entertainment system. Such power mediators have a single function: keeping voltage from exceeding a certain rated level, beyond which equipment can blow a fuse, burn out its power supply, or completely fry its circuitry beyond repair. The surge protector takes a hit instead of your hardware or A/V system, and it could potentially save you hundreds to many thousands of dollars, depending on what you have connected.