I am in the planning stages of building a computer. I have a Gigabyte GA-EP45-UD3P mother board. I know that I don't need a NIC card but I am considering getting one for safety. Here is what concerns me. I have a friend that had surge take out his cable modem and his circuit on his MOB. I of course take precautions to protect my system but I would rather loose a PCI card than the MOB. Am I wrong?