Read the post - the answer is there.
I used paranoid, as the suppression levels do vary between models. So if you live in an area that has a higher incedence of lightning strikes on power lines (i.e. areas where the power lines are the tallest structures for lightning to hit combined with lots of thunderstorms), or just want a higher amount, then there's the possiblity of adding additional suppression.
I live in such an area. In my case, I had a good unused surge suppressor lying around (Isotel 8 Ultra), and I needed a new UPS not too long ago. So I decided to add it. So no added expenses. It was more of "why not", given the thunderstorm frequency in the area.
Hence the suggestion of adding a separate surge suppressor before the UPS (it can help save it as well). Otherwise, if it's enough to keep a user happy (and they usually have some sort of insurance policy for equipment damage if it does get "killed"), then don't bother.
Some people may just be willing to spend a little extra for the additional peace of mind, or like in my case, it's already in hand.
ok i did read it, but i dont see how can one be paranoid about surges if he is covered with the protection the ups offers!
btw can someone recommend me any surge suppressors so i can really see what they look like and their specs?
You can look at the units offered by APC, or better yet,
TrippLite, as they're a separate manufacturer (pay attention to the Isobar/Isotel lines).
Check the specs on the UPS/s you're interested in, and compare it to a good suppressor. I'd expect something approaching the 3000 joule mark for anything worth having. If it exceeds it, great. The issue can come into both physical space and cost. They may not have enough room to use enough MOV's (what the suppressors use) or the cost is too high to meet the target per unit. So the suppression level may be lower than you'd want.
In the end, it's up to you. As mentioned, a UPS usually comes with a type of equipment damage policy (insurance that's included with the purchase).