Here's the safest way to ride.

Don't ride at night.
Don't ride an hour after dawn or two hours before sunset. (Mosquito/ West Nile time)
Don't ride beween 11 and 3 the peak heat/ sunburn times.
Don't ride during thunder or lightning storms.
or fast downhills... or on tuesdays...
umm. so ride only sunny days between 8-11 during the summer months?

Nah, I'll eat fatty food and ride without body armor 40mph in city traffic half naked with West Nile bugs in my teeth, drinking beer on a 100 degree day...
(I'll still hide under a bridge if the lightning is too close, I picture the arc pattern of a lightning blast, through my hands then back to the bike through my... um carbon seatpost! Ouch!)