I don't mind downpours, but "thunderstorm" means "lightning" to me, and that stuff makes me want to find a cellar and dive right in. I've had the pleasure of having my hair stand from the static buildup, and heard buzzing as it discharged from antennas on the boat I was on, and I have no interest in being out on the water, in a small craft, when I can expect lightning strikes.
Wind, water, no problem. "BANG! ZAP!" Now, that's where I draw the line