I've been caught in t-storms several times, including twice this year. We are in a lightning hot spot but that's not what I worry about. I'm more concerned about drivers around me being blinded by heavy rain, and strong wind gusts.

The last time, back in the spring, I came within a few yards of a dust devil -- a mini tornado -- that pelted me with gravel and shoved me sideways. I had to remove my sunglasses because it was so dark, and didn't have anything else for eye protection. So have pulled over a couple of times for a few minutes until the worst subsided. Usually I'd duck under a business awning or any handy shelter. But both times this year I continued riding despite the rain and thunder, although I prefer to wait until the lightning/thunder interval indicates it's a couple of miles away.