How hard is it raining? I'm lucky in that about a mile away is a 2 mile loop in a residential area and unless it is thundering or coming down in torrents I'll go over there on a rainy day and just do lots of loops. Once you get fully soaked it doesn't feel that bad. In the spring when it is still a bit cold I'll wear somr waterproof gear and stay reasonably dry; in the summer if the temp is above 65F I'll just go out and get soaked. One ride in March, it was rainy and winding and I'd been at it for about 45 minutes and was feeling nasty and along comes a car full of high school kids and they start blaring the theme from Rocky as they pace me and gave me the thumbs up, picked me up for the rest of the ride.