i'd have ridden home cause i had no other choice...

but hail, umm, that hurts.

when in cold rain, i usually just put the pedal to the metal to try and stay warm but i must say i have never hit hail bigger than normal raindrop size.

i don't worry about lightning. i figure with all the other things around for it to hit what are the odds...

banks make good stop overs (atm encloures), bus stops...