For me, it just depends on where I'm biking. If I'm biking in the city where there's a ton of tall objects taller than me, I don't worry about it myself. If I was biking on the open plains as the tallest object around me, I'd be more apprehensive.

People think they're saying driving in their cars (I think it's the #1 source of death if you're under 40 or something?) but then freak out if there's lightning, seems kinda absurd to me unless you're the all object on a wide open plain.