Actually you would be better off touching the aluminum than you would sitting on a rubber pad. The aluminum boat has two advantages over a fiberglass one. One is that the aluminum boat will tend to remain the same electrical potential as the surrounding water and thus will not 'look' particularly attractive to a potential lighting strike.
The second is that the aluminum will act as a 'Faraday Shield' which means that if lighting does strike it, the current will mostly flow around passengers and through the metal.
As we all know, a car is a very safe place to be in an electrical storm. It is very safe, not due to the rubber tires, but due to it being a good 'Faraday Shield'. That is, if it is struck, the lightning will travel around the occupants and not through them. In fact, an occupant could be touching the metal and not be injured.
With all of this said, while the aluminum boat is safer than a fiberglass one, no boat is totally safe in an electrical storm. If I am in any small boat in an electrical storm, I am headiing towards the shore, powerlines, towers or bridges in an attempt to give a potential lighting strike an alternative path to the one through my body.