You can't live in FL and not get stuck in the rain if you put in enough miles. It's that time of year for the daily late afternoon showers, and is when I try to get in a ride after work. This last week was bad, with some wicked thunderstorms, which I'll avoid due to the frequent lightening. But if radar looks clear when you depart, don't be surprised to see the buildups happen quickly and give you a rain soaked ride. Early morning rides are usually dry on most days.
I do have a backup bike, but never use it. I thought I would, but it only takes a brief 10-15 minutes to do a light spray with the hose to get off the grit and grime, then towel dry and relube he chain. I sweat like a pig, so its good to do this anyway about once a week to get the salt off the bike components. Once August passes, the daily rains start to drop off a bit, so less cleaning required. Just be sure everything is properly lubed.