What JR said.
But I’ll point out that trees contain some moisture inside and, more importantly, on their surface, so, yes, they do conduct electricity.
xkcd did an article that nicely explains the whole “hits the nearest thing around” with much more precision. And math.
https://what-if.xkcd.com/16/
There was a rash of reports about lightning strikes associated with ear buds use. Er, no. You’re a 5- to 6-foot tall sac of saline whether you’re using ear buds or not. However, if you are hit (perhaps because you were zoned out on your music?), then more current will flow though those wires than elsewhere. Hence, you’ll get burns where the wires were.
Short answers, whether carrying an umbrella or not, wearing ear buds or not:
Pay attention and if thunderheads are developing in the late afternoon, avoid high, exposed places.
If you find yourself in an exposed place with lightning strikes going on around you, get lower (but wary of flash-flood risk).
If your hair ever stands on end, throw yourself to the ground.
If you’re in a car, stay in the car (which will conduct the electricity around you), staying low and centrally located in the car.