I do almost no wet riding. The only time I do is when I happen to get caught by surprise and I usually wait them out under shelter. My bike has no weep hole for the BB. My last BB was done by a shop because I was on travel and my tools were at home. Yes, the cranks are on tight.
My typical riding is VC style at 15-20 mph, all pavement. The only time my bike sees dirt is when I ride with my daughter to/from school and I hose down the bike before the next ride to get rid of the sand from the chain.
RK