I have a surge protector that I use at campgrounds; especially those that I'm not confident were wired according to code. I am an apartment dweller and have no place to plug in at home so naturally I don't use one there.
Downside, the connector between the surge protector and the service pedestal is usually under cover, but the connector between the surge protector and your shore power cable is usually going to be exposed to the elements. Last time I used mine and worried about rainwater seeping into the outlet, I wrapped the connection with Saran wrap; worked just fine.
Way I see it, a surge protector is sacrificial; after it protects you from ONE surge it's due for replacement, unless you buy one that you can open up and replace just the innards. But that's cheap compared to what you'd have to replace on your Interstate if lightning strikes the municipal service while you're plugged in.
Engineering: Finding complex solutions to simple problems you didn't even know you had.