Which is more likely: Someone touching the panels and getting zapped, or lightning hitting the panels and conducting it all the way back to your house? Direct lightning strikes cannot be mitigated, period. Safety grounding and lightning protection are two separate concepts, and they may work against each other.
But static buildup can be dealt with with beefy surge protectors like the midnite solar MNSPDs.
And don’t you think if the lightning is that determined that it will just follow the + and - conductors anyway?