I don't mind getting caught in the summer downpours we have around here. It feels kind of nice. The water is generally bathtub warm, and I get a kick out of the roll and roar of thunder.
My fixie has fenders. Last year, I just decided to leave them on. Previously, I had put them on only when t-storms were forecast, but we had so many thunderstorm days, I just left them on.
Fenders are a godsend when it rains, or when you encounter the occasional murky puddle. Of course, being a glasses wearer becomes problematic in the rain. I do need to stop and wipe them off
frequently. Oh well...

What gets me, is how I can get soaked in a cloudburst, ride out of it, and be dry in about 15 minutes once I make it back into summer sun and heat.