re: "Are there people here with similar experiences?"
oh yes. well sort of. one summer got caught in the rain and lightening. in one case there was "rolling" thunder right over me from one side over my head and then to the other side. it was so scary it sounded like a giant monster hovering over my head trying to decide whether or not to disintegrate me. I was so lucky that there wasn't a lighting strike but I got off the bike and huddled grasping my knees like they say you should with as little contact with the ground as possible. never so scared. after that I didn't ride as willingly when "scattered" thunderstorms were forecast.