A year ago I would because all I had was one bike, no fitness, and a m/c rain suit. The bike wasn't going to ride itself. A year plus on, I have 4 bikes a rack and two panniers which I LOVE because I can add or shed clothing according to the weather.
Last saturday we expected some rain but not much. Then got hit with a mini hurricane. All of us hunkered and weaving against the wind barely able to see as we pushed on to the nearest overpass where by the time we reached it, the rain had stopped. Natch. No matter to me as it was the first time since childhood I'd been caught in a deluge. I had a blast. It cleared, the weather was warm, we continued our ride until lunch. After lunch it felt like it might rain again and we'd cooled off so I dug out the jacket I'd brought. And began to sweat in it soon after. Bleh. But no rain and we got back to the start point where I put the jacket back in the bag and rode home. One of my favorite rides so far. Plus, I plan to tour and there will be rain, so............