I agree with basically everything in your post, but this bit caught me out. I have to confess, I've ridden in more lightning storms that I could drop-kick a tourist at. Believe it or not, your chances of actually being struck by lightning are extremely remote. Far more remote than the risks involved in some of the other things we do everyday (both cycling and non-cycling related). Personally I'm not going to let something that has one chance in a million of happening prevent me from doing what I want to do.