Clearly there is no convincing you that you are wrong. That's fine.
Well stop droning on about it then. And I am not "wrong". I have a different opinion to you. When I look "wrong" up in the dictionary, I don't see your name as the reference point.
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All it takes is one time. Ask someone who died from a car accident and didn't bother getting insurance because in their 30+ years, they have never had an accident. Oh wait, you can't, cause they're dead. But if $25 is excessive to you, then its your prerogative. It certainly doesn't hurt me.
I don't remember anyone dying from a power surge to their Mac, so I think your analogy only stretches so far.
It comes down to cost, likelihood and consequences. In my view - and it is only a view - the cost to protect properly (cheap and nasty surge protectors probably are not worth having), is not justified based on the very remote likelihood (certainly here in the UK, where the supply is rock solid and we don't get many storms) and the consequences - no-one dies and you should have good backups anyway if your system is trashed.
And BTW it isn't $25. (a) because a decent unit costs more than that, and (b) what about my $5,000 TV that also would need protecting, and my hifi? What about the TV's around the house? Or my $5,000 Clavinova? etc etc. To do this properly is not $25. It would be completely illogical to protect a $1,000 Mac Mini, and leave $20,000 worth of other kit unprotected. To do it properly I would need whole house protection at the distribution board (about which I know nothing) or perhaps 6 units at more like $50 each. So is a $300 investment justified? For me, here in the UK, in my view, no.
I really don't have a problem with anyone who does choose to invest in these devices. It's really up to them. My point is that it's not a no-brainer, and anyone who chooses not to is not automatically an idiot.