If you think riding carbon fiber or even a plastic framed bike will change the odds of getting hit even fractionally, you're insanely optimistic.

I just don't worry about it. I look at it this way; my house has a TV antenna on top of it, 30 feet in the air, grounded steel pipe sticking straight up. It's been standing here for 17 years now through every thunderstorm. I've seen lightning strike within 30 feet of it, and yet the house still hasn't been hit, nor have any of the trees.

What are the odds that I'll get hit, a badly conducting body with a round top 6 feet off the ground, moving too fast for an ion trail to form anyway? Yes, it happens, but the odds are far less than me getting hit by a car on any given day.

If I were living in Florida where I understand at times the lighting strikes a thousand times an hour in a single area, I might worry more about it.