An article I read said that an average of 28 people per year are killed by lightning in the US. That’s about 6 hours’ worth of road deaths (and, at the current rate, about 90 minutes worth of COVID deaths). So, as mstone notes, the odds are way better that I will dodge the lightning than dodge the drivers.
I generally just ride on and grit my teeth, flinching when the thunder is close and loud. If I can find a place to shelter from the rain and wind, then I will take it, even if it’s not the perfect spot.
If what I read is correct, prior to last week, the last time anyone died of a lightning strike in the DC area was in 1991, before I even lived here. Thus it is so exceedingly rare that it’s probably not worth wasting a lot of mental energy on.