I actually enjoy riding in the rain, and if I'm to be totally honest, enjoy the comments when arriving at work in rain gear ("you actually RODE here?", "isn't it incredibly dangerous?" and my favorite, "how can you stop with those skinny tires?").

The only thing that bugs me is when inconsiderate drivers cut too close and splash all the gunk onto me and my bike.

BTW, wouldn't a shower cap also work in keeping a saddle dry?