I have ridden in rain many times and don't really mind it in warm weather. I won't usually start a ride in the rain unless it is a ride I've paid to do or am otherwise somewhat obligated. Rain so hard I can't see or the presence of lightning or high winds is another matter. I may be crazy, but I'm not suicidal.

I have found a very effective way to avoid riding in rain. I have yet to have it rain on me when riding my Salsa Casseroll which is equipped with fenders to keep the water from slinging off my tires onto my bike and me.