Tell ya what a friend of mine did one time when we got caught in the middle of the lake by one of the "low odds" thunderstorms that were predicted: Down went the sails and on went the iron genny.
And I gotta tell ya: Being out in the middle of an area as flat as a billiards table with a 40' lightning rod sticking up in the air, with lightning crashing down all around you, is most definitely not amusing.
My friend: Don't worry, the mast on this boat is stepped thought to the hull. It's well-grounded.
Me: Here we are, sitting in the cockpit of a thoroughly soaking wet boat, ourselves soaking wet, that mast not 10' away, and you think that's going to help, eh?