It's true, I'm being more of a wimp than is probably absolutely necessary. The forecast I saw yesterday indicated rain might start this afternoon, so it would be a wet ride home. I have an efficient diesel economy car, so I'm not really saving money or significant fuel by biking. My goal is to become healthy, so I can keep up with my kids as they grow up. Also not interested in dying in the wheel well of some truck that didn't see me in the rain, although I can imagine the excitement.

Another problem is, I really don't like the idea of risking getting water in various electronics (cell phone, sometimes laptop). I have the supposedly water resistant trunk bag, but I'd rather not risk that failing. I know eventually I'll be caught in unexpected rain, but I really want to avoid that as much as possible.