Mine is to wish I had my camera ( and a tripod and cable release ). We don't get lightening much here, and when we do, it's typically only visible over the horizon and reflected in the clouds. It's not anything I need to worry about.

Do you have a kick-stand? If not, you might want to think about installing one. If things get worrisome, you can stand your bike up ( as long as it isn't too windy ) and lay yourself down several feet away. It'll double as a lightening rod.