On the other hand I've read about plenty of stories of the "cheap" UPSs you'd usually buy as a consumer (not to name any brands coz I've never had any) actually causing such issues in the first place. Without any actual surges from the grid.
That said, being totally not superstitious (for real, but someone's gonna "kill me" if they find out I wrote this and something dies from a surge...), now I guess I need to knock on wood like seventeen times ...
I do use surge protectors when we're on generator power temporarily.
One day The Big One came along and fried nearly everything. "Once burned, twice shy."
Hopefully someone can learn from my mistake and not have to do it post-mortem.