I guess it's another good reason for why I shouldn't have my phone charging in the bed with me while I sleep; the other good reason being battery fires.
Yes but if you are covered in electrolyte and standing atop a well-grounded drain pipe, you may just be that path.
Also, lighting is not simple mathematical electricity. It is subject to innumerable, even quantum, fluctuations at the precise moment it chooses to move. Lighting also partially creates its own path as it ionizes air/water into plasma. That's why bolts are jagged and not smooth beams between cloud and ground. It may or may not choose to go through or around you. It is best to avoid needing to ask such questions.
“Path of least resistance” is a simplification of ohm's law, and that simplification simply isn't very relevant when dealing with voltages with 7-9 digits and tens of kiloamperes: at those voltages, even high impedance paths will have a non-trivial current (to lifeforms made of bags of saltwater).
And don't forget that an instantaneous discharge of 10,000A will also create a tremendous magnetic field which will immediately collapse, creating voltages that will induce eddy currents in conductors (such as the aforementioned bags of saltwater) that are near the main current flow.
although anyone saying this outloud likely wont have their mind changed, for the rest of you all that want to remain informed:
cellular devices and radios do not emit ionizing radiation - which is the kind that messes up cells, and nonionizing radiation can only increase heat which is why all devices operate under a power limit
people are studying other potential biological effects of nonionizing radiation and there is zero consensus of there being any. so some people, including some smaller government agencies, exercise caution