I got caught in a thunder and lightning storm many months ago. I actually should have known better. It had been raining the previous night and early morning, but it cleared when I was getting ready for work. It started raining hard when work ended. I was woefully unprepared. Rain was cold and I was soaked. My hands were numb due to my gloves being soaked. Didn't have my lights, only reflectors. It was dark and thunder and lightning flashed and banged. I was more scared about being hit by lightning than by a car not seeing me or losing control. Street shoulders were flooded. I stopped a couple of times at apartment garages only to try to warm my hands. I didn't stay long, just wanted to get home quick.
Fortunately I made it home safely. Took a warm shower and ate dinner. Looking back, it wasn't so bad riding in heavy rain. It was just the lightning storm that scrared me. I feel like I'm hardcore now