Lightning is one of the two things I'll skip a bike commute for. Most of the time. Unless I think I can squeeze through that whole the weather radar is showing and make it before the next storm hits.

(Ice on the roads is the other, FWIW.)

Two of the nastiest rides I've had involved hail. On one, I took shelter under a convenience store roof in a not-the-best neighborhood. The neighbors made me uncomfortable, but not as uncomfortable as the pea-sized hail coming through my helmet vents. The other was on tour, in the middle of Nowhere, WY, with no shelter anywhere, and of course there was a thunderstorm and hail that was mostly too big for helmet vents, but when it hit jacketed shoulders, it hurt. Fortunately, the lightning missed us that time!