I think part of it is also based on what sort of storms you're used to. My parents grew up in Florida where lightning strikes are common and expected during rain storms, so they raised us to use this type of caution (not in an open area, not in a pool, not taking a shower, etc during a storm) but where I live now, thunder and lightning are so rare that if it's raining, you really can keep swimming because you will just get wetter.
Interesting, see, I never heard a rule about not taking a shower during a thunder-and-lightning storm, aka... electrical storm. So that makes sense, it just never occurred to me before.
Maybe I've mentioned this one before... I was once eating lunch with someone who ordered a caramel latte, and was completely incensed to taste it and discover it had
coffee in it. Like, horribly shocked, with me sitting there also horribly shocked, trying to figure out if he was joking. In my experience something advertised as a "caramel latte," full stop, is based on coffee, along with milk and caramel. He kept saying, "Latte is milk! It should be just hot milk and caramel!"
Later, at a Korean frozen yogurt shop, I saw them advertising lattes, and they explicitly said on the sign that theirs do NOT involve coffee, just milk and caramel for a "caramel latte." So apparently such things exist in the world, but, as this guy had the same ethnic and geographic background as me (and same age), I'm just kind of boggled that his default would be to expect no coffee, and to be completely unaware that coffee in a latte was even a done thing. While confidently ordering a latte--it'd be different if *I* had ordered it and he had taken a sip and been surprised, because he really had no idea/never thought about it before.
Now when I had to explain to my mom that a "chai latte" might be coffee-based (bad) but a "chai tea latte" should be tea-based (good), I understood, because that's kind of a subtle distinction in the name when most of the words seem foreign to you anyway, and coffee shops have only been a big thing for a small part of your existence.