I slept with top down last Thursday because of severe t-storms. my biggest concern was lightning, but was I really any safer? Probably not but until someone explains otherwise will stick with this strategy.
BTW, I was near Bemidji, MN and the storm front moved slow so storms lasted almost 3 hours from 9pm to 12pm, but wind was never strong. Lightning was essentially non stop. 2 tornadoes touched down on Upper Red Lake about 30 miles away.
My fridge was not working next day -coincidence? Fan was blowing cool air and fridge temp kept rising. New Truckfridge under warranty and they shipped a new one to nearby FedEx Shipping center.