Ah, that I do get - it was just explained badly. I doubt that even a 3A fuse will sufficiently protect it.
We get power cuts and black outs here A LOT - at one stage a minimum of twice a week because our sole Electricity provider is corrupt and broke as balls. Nothings changed.
Lost a PC and a number of appliances to brown outs and black outs. the brown outs being the worst, because it almost inevitably is followed by a surge.
Surge protectors help, but not much. Even the $1000 ones. So I say screw it, live with it, and have household insurance.