The wear and tear on your bike should be the least of your worries. The safety factor should be. If you are riding on a a bike trail, you should be ok. If you are riding on the streets then you should realize these facts. When car windshields are wet and wipers are on cars don't see you. I've been commuting to work for over 18 years, Iv'e only been hit by cars twice, both times it was raining and both times were in broad daylight. Be Safe out there..