...so what if a huge current surge suddenly happens.......the pin will go below -0.3V ...and bang!
Your post reminds me to emphasize the difference between maximum ratings and specified operation conditions once more.
- you should keep the operation conditions, e.g. common mode voltage range to guarantee it's working correctly
- you have to strictly keep the maximum ratings to avoid permanent part damage
For the said LM324, the datasheet does not guarantee correct operation with input voltages below 0. It specifies 0 as minimum common mode voltage. But I can confirm, that the part will typically work downto -0.3 input voltage. It's no problem however, to design a current sense circuit, that keeps the 0 V as well.
Maximum ratings are a different point. The -0.3 V limit is a standard specification, that can be translated as follows:
- the pin has a substrate diode that is forward biased when applying a negative voltage
- exceeding the 0.3 V specification won't damage the chip as long as the current is limited
- the tolerated substrate diode current is ruled by different mechanisms
- diode current capability
- risk of chip latchup by forward biasing parasitic transistor structures (can also destroy the chip)
- below possible damage, forward biasing of parasitic structures can affect the operation of other amplifiers on the same chip
Modern OPs or other analog parts are often designed to utilize the substrate diodes (of both polarities) as protection means, they come with a maximum current rating for the inputs, e.g. 10 mA. It's your part to place suitable current limiting resistors. In your above linked circuit, the 1 k resistor can act this way, so there's little risk to damage the input amplifier, even in case of overload.