You are absolutely correct, this was as an oversimplification. Current will flow to ground based on the impedance of each path to ground. If you take the typical wet body resistance of 1,000 ohms and a relatively poor ground connection at 0.1 ohms you will get 10,000 times more current through the ground path than through a person. If you had 20A flowing through the ground probe and you put your hand in the tank you should see no more than 0.002A through your body which shouldn't even be enough to trip a GFCI. Even if you have a freely bleeding cut your resistance would be 300 ohms or more for a max current of .007 amps which you could feel but wouldn't be dangerous.
I did the same math before to see how it would impact a fish so I'm going to be lazy and cut and paste my post from a different thread.
"When we put the fish and the water in parallel we know that current will flow in relationship to the conductivity of the path. For this part, I will assume we are limited to 20A by a circuit breaker. Resistances in parallel are added this way.
where the inverse resistance of the water (R1) is 5 and the fish (R2) 0.00114 for a total inverse resistance of 5.00114. When we do the inversion we get a total resistance of 0.19995 (notice how close this is to the 0.2 of the seawater?) Again, using V=IR we can solve for the voltage drop across both the fish and water at the maximum 20 amps (V=20*.19995) which is 3.999 volts. Now we can calculate the total current in branch going back to V=IR (or, I=V/R properly arranged). For the water (I=3.999/0.2) we get 19.995 amps. For the fish (I=3.999/875) we get .005 amps. "
So, yes, current will take multiple paths but for the purposes of this discussion the amount of current, even in a worst case scenario, is fairly negligible.