---------- Average stroke is about 30-35KA, the probability of a of a stroke of 100KA is about 0.5%. Typically any lightning protection has a let through stroke current level of about 15KA (based on "strike distance " design techniques. However, putting this quibble of mine to the side it is true that it is to provide a current path. As to insulator breakdown, for the sort of insulation levels encountered anywhere near a garage, a typical rod will not be pareticularly effective at preventing this. It does, however, offer a better path to ground than anything else around.
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No problem with the ground return conductor. As for the few hundred ohm ground path- that is questionable - most of the ground path resistance is within a few meters of the ground electrode and the difference between 50 and 100 or 200 ft is not all that great. (many rural 6900KV lines were built without a ground conductor - being grounded by rods only at the transformers along the way. Voltage drops in the ground were small (and safe). I have also seen the results where the ground conductor was open. The resistance distribution that you quote for lightning is also true for DC or low frequency AC AC (with some variations in scale) as indicated by the work of such as Rudenberg and Dwight (about 75 years ago and still in use). A matter of current density as distance from the rod increases (somewhat analogous to the E field as one moves away from a point charge).
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Agreed
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--------- Thanks -This is the point that I knew and had forgotten about. .
-- Don Kelly snipped-for-privacy@peeshaw.ca remove the urine to answer