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The key is simply accepting that you're going to get wet. Getting wet isn't such a big deal. After all, you intentionally and voluntarily get wet in the bath, shower, or swimming pool and nothing bad happens. The only difference when cycling is that you're clothed.
For the rest, remember, bicycles are outdoor equipment. They're made to be used outdoors in the environment. A little environment won't hurt them.
And it won't hurt you either.
tsi, you are awesome. Your post is a keeper.