There is NO full time, safe solution to a direct lightning strike. The current is going to ground as quickly as possible, and there is NO predictable path. You may comfort yourself with these actions, as well as those of the U FL expert...at greater cost, but they will do nothing to guarantee the path and how it exits the boat.
While I would generally agree with you position, lighting strikes are not all created equal, and for the less potent strike, proper measure may make a difference.
Minimizing danger to humans is the main focus of ABYC TE-4 and the insurance industry tends to support this. Last summer I was called to bond a keel stepped mast to a keel bolt before the insurance company would issue coverage so some companies actually expect this. There were other items too but this one stuck out to me.
I called them on behalf of the customer, and explained that ABYC TE-4 is a suggestion not a standard. After about a half hour of being bounced around trying to get a solid answer I was told.
"Our data shows lightning ground systems save us money and pose less risk to occupants."
In short they did not care whether it was an ABYC requirement or not because their data is what they base stuff on. This was a tough boat to bond due to access and ran the customer about 4.5 hours of labor.. There is also data out there that suggests bonded/grounded boats get hit less then un-bonded / un-grounded boats.
I had two customers boats hit by lightning in September. One has been fixed and the other still has work to be done, a J-42. Both boats are newer and both boats were bonded/grounded to ABYC TE-4 primary / secondary lightning bonding. Both took bad strikes and neither suffered any hull damage. The bonding wires from mast to keel survived just fine as did most of the wiring on the boats. The primary bond on one boat was 1GA and on the other appears to be 1/0.
All electronics on one boat were toasted and some of the electronics on the other boat were, but not all. Was just doing the dance with the insurance adjuster last week about replacing items still "operable" but connected to a system, namely Sea Talk.. They won't replace them until they fail yet won't give the customer any idea of time frame as to what an "acceptable" after strike time frame is for a failure deemed to be cause by the strike.. Adjuster understands my arguments but the insurance company won't replace items still "turning on"..
Both boats have Marelon seacocks so the thru-hulls are not bonded. Both boats had crazing on the keels and blown off chunks of barrier coat where the lightning found ground through the lead keels. One boat appears to have had some of the strike pass through the engine ground as evidenced by a dry PSS after the strike (non-vented version).
No two lightning strikes are the same but the only thing I see some consensus on, as far as trying to minimize human danger and hull damage, is primary secondary lightning bonding.
There is NO system out there that will prevent a strike and no way to prevent one. Lightning hits what it wants. If there was even an ounce of evidence suggesting a system did "prevent" strikes the insurance companies would be offering discounts for having those systems installed. All you can really do is to try your best to "minimize" damage. Lightning bonding / grounding is the only thing I have seen that has support of the insurance companies and evidence to support that it can have a beneficial effect....
Many, if not most, new boat builders wire to ABYC TE-4, at least for primary bonding, and many also do the secondary bonding.
Lightning bonding on a new boat: