I REASONABLY ignore lightning...
Here in Florida, lightning is almost a daily occurrence from May to October. I've known about alot of strikes to boats, but never heard of a serious injury while on board. I'm not gonna stand up with a metal rod in my hand during a storm, but I doubt it would affect the odds at all.
I have been struck before, on a golf course, where clouds were still aways off. It actually struck the tee we were standing on, and blew two of us several feet in the air. It actually wasn't as scary as some near misses I've had.
At our house, lightning struck THROUGH a large limb and through a brick path, hitting a concrete (reinforced with metal) parking stop that we didn't even know was buried there. THAT one loosened me up faster than metamucil...
I have no research to back it up, but anectdotal information tells me being in a sailboat during a lightning storm is a pretty good place to be...
cup