Even though I know it's not the right answer I do like you and don't run for cover unless it's really close. Bad, huh?
Years ago my brother-in-law was setting under Trevino's umbrella at the Western Open. Lightning hit the lake and "spidered" (shot fingers in diferent directions). It got him, Lee Trevino, and Bobby Nichols on the opposite side of the lake. All survived but all had follow up problems. Just shows that it doesn't have to be a direct hit. It can hit the water anywhere and get you.