Best protection
Disconnect all of the electronics and put them in a metal box.Crew should be below, and away from any metal fittings, the mast, and shrouds.The helm should not be touching metal if this is possible. (An advantage of a nice, wooden tiller.)The mast does provide a "zone of protection" for people. The shrouds, and an aluminum toerail add to this protection. Stay away from them!The mast should definitely be grounded to the keel.The principle danger to the boat and people if the mast is grounded are "side strokes" which are almost impossible to predict, but would probably radiate from the mast/grounding set-up.DavidLady Lillie