I don't go as deep in the weeds as you do, usually, on the design stuff, but I put spike diodes on EVERYTHING with a coil. Even little accessory relays get them. As you pointed out lots (maybe most?) installs work fine without them but for about a dime a diode, it's not worth the hassle to not put them in. Also, my view is that that spike today may not knock out your radio but repeated spikes will eventually catch up to it and shorten it's life. Or maybe just that one, unusually large spike like that 'third wave' theory?
As to fancy clamp or sensing circuits, For aircraft use, I feel that lower tech is better. You can make an extremely sensitive, fast acting circuit to protect the rest of the board, but in a fairly 'noisy' electrical environment it's just going to cause more headaches than it will prevent.
Web