I currently have my Bianchi hybrid set up with studded tires and fenders, so this would be my most foul weather bike. However, I quite dislike riding it when the road is just wet but no snow. None of my other bikes have fenders so I can't ride them in the rain either. But I'm thinking of putting fenders on my Rapid flat-bar road bike to be used strictly as a wet weather bike. I would then ride my vintage Gardin racer in fair/dry weather. That way I've got all the basis covered.