RE: Charging panic
Well, there will be transient suppression in the charger and interface circuits, but they only soak up a finite energy pulse. If the energy capacity of the TVS components is exceeded and you get excess voltage on the buck-boost rails, yes, you could destroy the charger.
I'm sure it will cope with most thunderstorms, but I would, generally, avoid plugging in in such conditions. If your charger isn't broken after the thunderstorm, then it isn't broken.