There is no easy answer as to where to go. I'm with F&F on not getting surprised. First line of defense is my Iphone with a real time radar app. Get out beforehand. If that doesn't work, a swale, low area, undercut, cedar trees that are much lower than nearby oaks or sycamores...
As for pucker factor ... I fish alone often and in places that are remote. Every time I misstep, slip on a rock, etc.. I think about a broken leg/ankle. I've been fortunate, but continue to get a higher "pucker" factor as I get older. I now carry a survivor kit in my backpack (it's packed in a metal water bottle and is based on post on this forum). I also send a "general vicinity" email to at least two people when I get where i'm going.