When I am carrying my yellow Ortlieb panniers and wearing my bike shorts: "Are you motorcycling today?"
When I am carrying my backpack, wearing my leathers and carrying my motorcycle helmet: "Are you biking today?"
...from the same person.
The other one is, "It's going to rain. Are you still going to ride?"
Answer, every single time, "Yes, I ride all the time. If I didn't ride in the rain I wouldn't ride much."