On days with tricky weather i keep an eye on the weather radar on weather.gov. If it looks like i'll just make it with maybe some rain, i'll do the trip, if it looks like a stronger/more severe affair, i'll hang back till it passes. In the off chance that i'm caught out, i will et to the nearest shelter. If it looks like it may be severe for a while, i may just press on to a place i can hang back for more than a few minutes.
And yea, lightning striking when you're on a bike is scary. If you really feel in danger, ditch the bike at least 25 feet from you & lay as low as you can til the worst passes. Try not to ride near overhead wires or tall trees.. even if you don't get hit it could fall on you.
- Andy