Sure. It's cheapass, isn't it?
do these cards have some sort of protection for this or these are inherently protected or am i sitting ducks in front of this sort of thing
Most electrical devices are tested with voltage spikes at a rate of 2 kiloVolt (2000 volts) to see if they mess up or could harm someone in the process. Most devices short circuit and stop working, nothing more.
Power surges are different and can cause overload both in volts or amps on a electronic device. It usually is not certified for that so it is very possible that everything electronically connected to the power surge will fry.
A surge protector that diverts that sudden energy boost or build one yourself if you are skilled in electronics. All you basically need is a Metal Oxide Varistor. They're cheap so why not invest in a cheapass surge protector?
Don't think a surge protector will keep you safe from lightning though. The lighting bolt just traveled half a mile through air to reach your protector, it will have no problem getting straight through your inch-thick surge protector if it isn't grounded correctly!