A surge protector will not stop coil whine, as I mentioned coil whine is actually something vibrating, causing an audible noise. I suggest you google coil whine and what causes it perhaps you will get a better understanding as you don't seem to understand where the noise is coming from right now.
A surge protector will not stop a direct lightening strike, no MOV will. If lightening can jump from the ground to the sky it will arc across any fuse, breaker, or surge protector you can buy. That being said you should still buy a quality surge protector to plug your PC into, its cheap insurance to protect your PC from power surges on the power lines. Its just an extra layer of protection on top of what's built into your PSU and MB.
When you dropped the PC it is likely a coil or transformer actually was knocked lose and now it vibrates when power flows through it, causing your whine. It doesn't make it bad, just annoying.