Come on down, the weather is fine.

I enjoy both warm rain and the subsequent evaporative cooling. In the depths of winter I throw on a light jacket and sometimes wimp out with an old pair of tights. If it rains in the winter I'm too busy celebrating with neighbors for riding to be an issue and snow is found at the end of a three or four thousand foot climb.

My admiration for cold weather riders does not translate into any desire to leave southern Arizona and join them. Following the kind of good advice provided above allowed me to survive cold weather rides but with zero enjoyment.