I'll agree with the OP that driving in the above conditions takes the fun out of commuting, -but- my least favorite situation is early morning heavy traffic (if it's dark, so much the worse), where drivers are half asleep, anxious to get to work and usually texting their family/friends/colleagues. The fear of being rear ended, even with carnival intensity lighting, is always present and I've had quite a few near-hits, especially now with less ambient light due to shorter days.