These times that "cycling is plain dumb" often overlap those times where driving would be correspondingly more risky. I'll give you a hint: if you're having difficulty seeing out of your car, other drivers are having difficulty seeing out of theirs. Everyone's risk proportionately increases during these times. In my experience, my own visibility from a bike is more consistent in inclement weather than when I am in a car. I really feel trapped when I'm in my car and its raining, when I'm riding my glasses can get wet, but never as bad as a car windshield, plus I have more feedback from sound, that is, I can hear what cars around me are doing better. Rain in a car is loud. That doesn't mean I'm safer during these times, but I don't feel much safer being on the interstate in my car during a downpour either.