Well, speaking as a hardened Pac NW randonneur, I think you made the right decision to pull the plug, especially if you were shivering at the end. One of the things I least like doing is fixing a flat (replacing a tube) in a cold rain. I was once in a bike race in a cold, heavy rain years ago. Conditions were so miserable that we just rode; nobody attacked until the bunch sprint at the end. But going slowly in cold rain was a really dumb thing to do, because after the race, my teeth were chattering, and I had to sit wrapped in a blanket with my feet in a bowl of warm water for about a half hour before I felt normal.
And just the fact that you had the audacity to ride thru those conditions has hardened you. Nobody needs to tell you to HTFU!