If your house is wired correctly and you’re using PEX tubing, showing during a lightning storm is not that risky. As SmackEh points out, even covered with water, you’re still higher-impedance than other current paths in your house.
The problem is that sometimes, people decide they can use the cold water line as a ground. (I remember as a kid, having electronics experiment kits that specifically instructed kids to find a cold water pipe to use as a ground.) [That’s what kills people](https://www.theguardian.com/world/2009/mar/26/electrocution-usa-iraq-military).
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