New York City power is "dirty", Florida has lightning strikes, so Florida's surge suppressors need to absorb a much higher amount of energy if they are to last as long as NYC's suppressors, and probably more often.
The risetime of the incoming surge for a lightning strike is very fast compared to NYC's droops and overages.
Your local Power Company may provide you with info on how dirty your power is, etc.
If you get informed about this, from Internet research or whatever, the suppressor salesman probably would rather sell to someone else. Informed customers are trouble.
If the equipment to be protected costs $2K and the likelihood of a damaging strike or surge within the next, say, 10 years is 15% then you shouldn't spend more than 0.15 x 2000 = $300 on a protector.
Also, you may have homeowner's insurance on your stuff so this equation will be altered.
Post specs on your candidate suppressors and we'll critique.