Yes, WERE, that's exactly the limitation (of XM) that I had in mind. And the SS won't help you avoid the stuff that's not developed enough to generate lightning, but still has enough turbulence in it to make the ride at least exciting, or worse.
Well, there's two things here. First one is that XM will only ever tell you where something was, not where it is. However that information is generally enough for givign a wide berth. For example, I was once flying to Tennessee and back. Right in the middle of our path was a really big thunderstorm. With XM we were able to see it on takeoff, and divert really early to get around it.
Even on-board radar has limitations for developing thunderstorms. Remember that radar is picking up the liquid. Well, a developing thunderstorm can have the major updrafts and bumps without the liquid (it hasn't gotten up there yet to be picked up by radar).
I flew into a developing thunderstorm a few month ago. The area was littered with little cells, and I knew that getting in there would be interesting. I had the radar and XM on, which didn't show anything but light stuff in front of me. Well, as I was descending I then saw something popping up on the radar directly ahead of me (really close), and then ATC came on "Aztec 27Y, heavy precipitation, 12 o'clock, 2 miles, 3 miles long." Well, at that point I was going to be there in under a minute, and be through it in another minute or two, so I just blasted through. When I hit the updraft, I pulled the engines about back to idle, was practically in the yellow, and still getting 1500 fpm CLIMB rate. We were out of it pretty quickly, but it was bumpy.
Note the moral of the story, though, which was that I knew going in it would be interesting getting in there. I believe Kent has a similar story in the 182, except he turned around to get out of it.