Geez, as much as I hate the holier than thou response, all I can say is stop being such a pansy and suck it up.

Or don't. I don't care. Just stop fretting over it.

Seriously, once you realize that you don't have to be 100% comfortable for your entire life, it's pretty much downhill from there. Get some fenders and rain gear. Stop worrying about your bike getting wet and just ride it.

That said. I don't ride in lighting storms, but they blow over in short order around here, so I just sit it out for a bit.