Diff'rent Strokes
I can relate my experience for whatever that may be worth. We sail in an area prone to sudden summer squalls that are often accompanied by high winds, driving rain, hail and lightning. Enough experience with these squalls makes you just comfortable enough to forgo putting on the Depends with your foul weather gear but leaves you as nervous as fox in a pack of hounds.If you see a squall line approaching, drop and secure all sails and lines. I rarely anchor, though many do. Assuming that it will miss you is a sure invitation to be wrong. They usually pass quickly and wind direction will reverse itself. You should expect gusts up to 40 knots which can lay you over to 30 degrees under bare poles and will knock you flat if your main is up and sheeted in. Hail can be painful and driving rain will make it difficult to see. Visibility will drop to less than a boat length.I've seen lightning hit the water less than a boat length away on several occasions. I've been hit by lightning just once while aboard in over forty years of sailing. Wouldn't care to repeat the experience. I was at the wheel with the rest of the crew down below. I saw a bright flash, but didn't notice much sound. The crew later reported hearing a huge boom, but didn't notice any flash...go figure. Immediately after the flash, I saw molten metal hitting the foredeck. I reflexively jerked my hands off the stainless steel wheel. My first conscious thought was "that's a pretty dumb move, Cap'n Stupid...it'd be too late now if was going to zap you!"Insurance (less the deductible) took care of the VHF whip, Wind sensor and Windex, all of which were vaporised, the damage survey haul, and the instruments. The only thing wrong with the instruments was the SeaTalk capability was fried.