Nothing you can do
I did not read all of the posts so please do not shoot me if I am repeating something already said.
My house has been hit several times with damages well over $100,000. Surge protection wether at the meter or anyone else only protects you from surge that enters from the power lines but it cannot protect you from a lightning strike coming in the back door, irrigation lines for example. Nor could they protect you from backfeeding from your electrical outlets, lights, outdoor cameras or speakers etc.
I still have surge protection throughout my house but have never lost one to a surge or lightning strike.
BTW lightning rods unless made from massive amount of copper, away from house, drilled hundreds of feet down and maybe 100 feet above the ground will help. That solution probably would work...
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