I've personally experienced HDD failure from a "power outage", or more technically a power outage (and "surge") that took out a power supply
Most people forget that when a computer power supply fails one of the possible failure modes is passing either high frequency square-wave power to the output or even simply passing sine wave input power to the output.
If this happens you are pretty much screwed.
I have personally seen destruction that could only be explained
by one or the other.
I have also experienced the effects of a lightning strike to a utility line
less than 150yards from my house (took out several TV's VCR's two
computers and my microwave oven) I actually suffered permanent
nerve damage in my right arm from this strike because I was on a
landline phone at the time (the phone came off even worse than my arm)
MY desktop runs on a UPS that runs off a surge suppressed outlet and I have a "whole house surge suppressor".
But between my computer and the UPS there is another surge suppressed switchbox (Am I paranoid enough?)
I also have a pair of 1farad 16V capacitors on the power supply output rails (my computer runs for a good 15-20seconds after the power is physically cut to the supply
Added to that I have NO phones in my house that are not "cordless"
(I've personally been "zapped" twice, I don't intend to allow it to happen again)
and my personal connection to my computer via my various "human interface devices" are ALL cordless. even my gaming joystick is cordless.
I say again, I don't want to get zapped again.
So I'm not particularly worried about my system drive, my only SSD,
being exposed to outages or surges.