So far, I drive. But I now have a bike with fenders, and thus far it has not really been raining when it has been time to ride. Wet roads and perhaps some drizzle, but no downpours. I always think the reduced visibility and more opportunities for me and the vehicles to slide makes riding in a downpour sketchy from a safety point of view. I guess missing four or five days a year because of rain is not that big a deal. Living in So Cal sure is rough.