Exactly. While Art may find the danger associated with lightning strikes negligible it's a really bad analogy. Over here in the mountains we tend to have at least a few fatalities every year due to lightning strikes. It's NOT something to be taken lightly. That's why every seasoned hiker/climber pays attention to the weather. Getting caught in a summer storm while you're all exposed on a barren mountain ridge is a bad idea and could easily cost you your life.

I guess the same goes for everything else. If you hike in an area where bears or cougars are seldom seen the threat may feel very remote. If you happen to be some place where the concentration of potentially dangerous wildlife is that much higher though it gets less academic fast.