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Lightning protection systems - What they do and don't do. A lightning protection system's only purpose is to ensure safety to a building and its occupants if lightning happens to hit it directly, a task accomplished by providing a good, safe path to ground for the lightning to follow.
That is correct. Get a surge protector for everyday use. Unplug the charger during thunderstorms. Surge protectors do not protect against the damage that a lightning strike causes - they just protect against electrical surges.