At the time of the strike on my boat, whether direct or otherwise, I had just completed the installation of a new dinghy crane with a solid 2.5" aluminum bar standpipe. Wrapped around the standpipe were two cables attached to zinc fish in the water. The cables were both burned off just above the surface of the water, suggesting that it was the surface, and not the depths of the water that the charge was grounding to. Some lightning grounding systems for boats are based on the idea that the discharge is AT the surface of the water, which may be born-out by some of the below-the-waterline grounding plates being blown out anyway. I'm not sure what the heck lightning has a mind to do, but when it gets bad, I drape my two aluminum pike poles over my upper deck rails and extend them to just below the water surface, just in case. Both the mast and the dinghy crane are grounded to the rails.
The systems of the boat seem reliable and predictable. You'll always find something here and there that may or may not be related to the strike, like the one working bilge pump, for example. Before the strike, it wasn't working at all. Go figure.
"I'd rather be happy than dignified".