Hmm. Really it depends where you live. Certainly in the UK the power is very high quality and most people neither have nor need a breaker.
It all depends on whether or not you have lightning storms where you live. There are other sources of surges, but these are the worst IMO. Last year my boss' tv and audio equipment got fried due to a lightning storm. And he has breakers. Surges can enter the grid at many points - they don't always originate at the power station.
Filtering on the inlet of regular power supplies will arrest short peaks. Often a problem with older houses is brown-outs, and as you say a modern PSU should deal with that.
I'm not talking about irregularities, or voltage fluctuations, or small surges. You don't need to worry much about these so much in industrial/modern countries. I'm talking about fast surges with decent potentials, like from lightning storms. While many devices have surge protection and even reverse polarity protection to deal with normal occurrences, few will protect you from lightning surges if they manage to reach the device. We had several units (industrial controls) with surge and reverse polarity protection installed on a field in Texas a few years back where ~2/3's of them blew from a nearby lightning storm (the bypass capacitors fried). It's difficult in some cases to protect against this - it really starts at the facility level with lightning rods connected to earth ground to redirect the energy.
Hmm. We're talking specifically about an Apple laptop setup here. I think the PSU will meet CE standards and be deigned to satisfy standards in multiple international regions.
The design of even a cheap PC doesn't really allow the OEM to mess with the power supply. The PSU is delivered in an enclosed package with the power inlet socket integrated.
Many products are built using third party 'wall warts' precisely to allow the manufacturer to make use of a pre-approved PSU and save them from getting approval themselves.
I think your paranoia is unjustified on this one.
You're missing my point. Some of these PSU suppliers may not have tested and certified their PSU's the right way, and just assembled CE marked components together and skipped testing/certification on a finished assembly level (even though they are marked as such). I don't have any direct experience here, on the consumer market, but it's not paranoia, it's from my experience on the job (industrial markets), and to me, it's not worth risking a $2,000 laptop, or any other equipment in your house (HDTV, audio, etc.) just because it has a "CE Mark" on it. I work with UL, CSA, FM, CE Mark and a few others. Trust me, you should see some of the things I see...I also participate in a couple of engineering forums every now and then - one time, there was an engineer from some company out there asking this same question - "can I use CE marked components and skip PSU testing on my company's product?". Several people told him no, he still had to test at the assembled level, but who knows what he did. I'm sure his PSU provided a certain level of safety even if he didn't, but I wouldn't bank my wallet on it (or my life), and that's all I'm trying to say. And the general question "if I use R/C components do I still have to test...?" comes up every now and then, over and over.
There are always exceptions, but in general, that manufacturer's product still has to meet all requirements relative to electrical safety, regardless of whether or not he's using a PSU from someone else who is pre-approved. The only thing that buys the manufacturer is he doesn't have to worry about component level requirements, which is why it's always good to buy/use Recognized Components. It also helps that the manufacturer doesn't have to design a PSU from scratch, but his device (and that PSU) will still be tested at the device's level for electrical safety and I know test lab engineers that have seen failures on this level even though the critical components of the PSU were pre-approved. Sometimes an OEM just doesn't use the right component/PSU for the application and it can fail a radiation or immunity test, such as a surge or fast transient/burst. Now, we don't have to worry much from reputable companies like Apple, but on the other hand, if it comes from some obscure company, you might want to give it a thought. The term "you get what you pay for" applies here
Guys, it's always a good idea to protect your equipment in your homes. Surge protectors are cheap. Your equipment is not. Many of us have thousands of $$$ worth of equipment in our homes. Do the math. And keep in mind that insurance will replace your hardware, but it can never replace your data (some external hard drives still plug into the wall - I wonder what kind of protection these small devices have). While travelling, if you don't have a surge protector (who carries one on vacation?!) you're ok to plug into the wall, but if there's a lightning storm over head or nearby, I'd shut my equipment off and unplug it from the wall (not everything, just tv/computer and anything else that's expensive).