We have had several members call in with computers down, crashed, and most by lighting.
Surge protectors work but only the ones with insurance.
If you task your computer on the web, graphics, or other programs that require it Windows 95 a and b has a memory leak and after awhile you will notice your computer slowing down. The only way to get back to speed is shut down, power down, and restart. Some computer shops tell you never turn it off. The hard drive spins on bearings at 3600 RPM and some at a higher rate. It could save your life or your loved ones.