We ride in the rain. If it doesn't rain, we ride. If it rains, we ride. We even ride in graupel.
It's a good idea to take a rag and wipe the chain after a rain ride. Nothing more. After the bike dries, have a look and if the chain looks dry, add lube and wipe again. I use a wet lube that will last a couple hundred miles in the rain. I always check the tires after every ride, wet or dry. I won't wash the bike unless it's really groady and we'll be going on a dry event ride or I have some free time on a nice day and aren't riding. Riding in the rain is like going to the car wash. The bike comes back quite clean. It's riding on wet roads with no rain that gets a bike dirty.