Yes, GoldDigger did:
GoldDigger offers the seed of a solution, as well, but RCMoon could help with more details. . .
To RCMoon, You live in the State with some of the heaviest lightning activity. You describe your home as having a metal water supply from a well where the water pipe runs under the slab. This says, also, to me, that your concrete slab home floor is a strongly grounded surface.
RCMoon, you haven't directly said, but it sounds like your electrical service is the ONLY customer on the PoCo transformer. Is the PoCo transformer on a spur of PoCo primary transmission line ending at your transformer? Consider this, a cloud to transmission line strike will travel as a large voltage surge on the transmission line and, when arriving at the transformer a large portion of the surge will reflect off the impedance change at the transformer primary and the surge will double back on itself. In that instant, and for the duration of the surge at the transformer, the surge voltage will effectively double.
Even a cloud to cloud lightning discharge can produce an electromagnetic pulse that will induce a huge voltage surge on the transmission line supplying your PoCo transformer.
Your creating "air gaps" between the metal water piping, and other grounded conductive surfaces, and your branch circuit current carrying conductors turns those "air gaps" into lightning arresters INSIDE your house.
In addition to bonding to any metal piping to the Main Bonding Jumper, I'd suggest trimming your trees around the service drop. You get, what?, thousands of nearby lightning bolts a year, and you've had the neutral energized by a line conductor once in half a century?