And we're talking about such high power here, it doesn't matter about aluminum vs. fiberglass hulls, being lower than your partner, etc. This is serious power!
A negative polarity lightning strike can average 30,000 amps, a positive strike 10 times that, 300,000 amps.
The average power of a single lightning strike is one trillion watts (1,000,000,000W). Compare that to the power to running through a 100W bulb in your garage.
During a lightning strike, the air surrounding the current is instantly heated to 36,000 degrees F. If you're in that airspace, how would that feel?
Still a small chance of that happening to anyone in general, but hugely increased when you remain the the danger zone mentioned above.
Stay safe. Respect mother nature.