I'll just paddle close to the shore and stay in my canoe in your lake scenario (or a river) with nothing else around. Whatever is on the shore, trees or no trees, there's nothing you can do about it. Of course, I wouldn't park under an isolated tree.
I feel the odds are that the lightning is more likely to strike the land around the lake or river than the water surface. Hence, I prefer to stay in the boat right near the shore rather than get out and sit on the land. Of course, if it's a real downpour and my open canoe starts to fill up, I'll eventually get out to dump it.
Canoe / Kayak Anchors
EZ-Dock modular docks
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