I'll go with the "insurance" crowd.
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 still leaves you as nervous as fox running with a pack of hounds.When we see a squall line approaching, we drop and secure all sails and lines. Assuming that it will miss you is a sure invitation to be wrong. These squalls usually pass quickly and wind direction will reverse itself. You can expect gusts over 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. I rarely anchor since dragging is so very likely, though many other skippers do. For these reasons I'm usually at the wheel when the bottom drops out. 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 of a friends Sabre 37 while he the rest of the crew were 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 "Dumb move, Cap'n Stupid...too late now!"Insurance (less the deductible) took care of the VHF whip, Wind sensor and Windex, all of which were vaporised, the haul and survey for hull damage (none), and replacing the instruments. The only thing wrong with the instruments was the SeaTalk capability was fried.Got hit at the dock last year on our boat, but we were not aboard and it must have been a collateral strike from nearby because all it did was fry the VHF, the electronics on the charger and the SeaTalk on the instruments...didn't even make the deductable this time.The only other certain option to avoid lightning is to stay at home in the Summer in this area.