There is always a chance that a lightning strikes your mains power line while you are measuring with an 830 that kills you,
You are starting to get the point. When something DOES happen - you WANT the meter to give you as much protection as possible.
The DT830 (and all the derivatives) is a 30, or more, year old design, with little to no thought about safe design.
Modern designed meters have lots of design measures to make sure the user is safe, at the expense of destroying components in the meter.
If you want to see the difference between safe meters and bad meters, watch Dave's video where he purposefully destroys DMMs :
The unsafe meters just explode. The safe meter contains the explosion (all be it, with the Fluke77 you get a knob flying at you).
If you want to see how catastrophic DMM explosion looks like (MJLorton's visit to Fluke Labs):
About 6min30sec into the video, the Harbour freight explodes in a plasma fire ball
This is exactly what you want to be protected from !
Yes, the test conditions are contrived. Yes, the exact conditions to blow the DMM up are so contrived that they are unlikely to happen.
BUT you want to be protected from it IF it ever does happen.
As my analogy goes :
How many times have you corssed the road?
Have you ever been run over?
Does that mean you will never be run over?
Edit: If you are new and are worried after seeing these videos, do not be. The point is - pick a safe meter and the meter will protect you (as much as it can).
Pick a cheap non safe meter and you get no protection at all and then it is down to pure chance if/when you get hurt.