Funny, Roger!
I hide out in small coves on the lake with tall ridges and trees all around!
We once sailed in a national championship on Granby Lake in Colorado where they said "If you don't like the weather, wait 15 minutes, and it'll change."
Maybe the 8000 ft elevation had something to do with it !?!
A storm rolled in and in about 10 minutes there was so much electricity in the air we couldn't touch the wire shrouds or mast without feeling the sizzle and tickling, so we raced over to shore, laid the boat on it's side, and crawled up under some trees (not smart either, but better than out on the lake!).
Bob Austin should be able to give some real advice on this topic with his sailing and powerboat experience in the ocean and also because of his living in Florida, the Lightning Capital of the U.S!
In the meantime, here are some things I remember that are mostly conmmon sense:
On sailboats, the mast is grounded from the base of the mast and/or shrouds to a ground plate on the bottom of the hull or to the keel. The negative ground of the 12v system is included in this. The idea is to get the electricity to pass from the mast to the ground around the people rather than through them (!)
It's almost impossible to protect the electronics fully, as the voltage and current are so high that fuses and circuit breakers are arced through easily.
To help save the electronics, perhaps one could detach their wire connections, then stow them in a metal box, if time permits. Handheld back-ups would be important in most instances after a strike.
A power boat could be similarly protected by running a ground wire from the highest metal point on the roof to a suitable ground, like the leg of an outboard.
One should also know that a direct lightening strike on an outboard could disable all the electronics, which can include the ignition, fuel injection, and alternator functions.
Radio antennas are another, higher strike target that should be lowered during lightening storms, time permiting.
Some will say that making the boat or mast grounded will actually encourage lightening strikes, but at least those inside will be better protected.
People inside should move away from all metal objects and get down low away from metal window frames, etc.
I'd drop anchor if possible, so that I wouldn't have to be up or in contact with the helm, unless, of course, I was in a posiion to make a safer harbor or better position.
Last of all, set down on a safe place like the Porta Potti, pour yourself a large glass of wine, :cocktail and enjoy yourself! You've done what you can, now it's up to Mother Nature's Random Roulette Wheel in the Sky!
Joe.