When I am touring, I will ride in the rain. It really is kind of depressing to take down the tent and load the bike in the rain, then ride 6-8 hours in the rain and to set up the already wet tent in the rain.... Usually, those nights I look for a motel, if possible.

Also, when I have commuted by bike, I have ridden home some afternoons in the rain on days that it was not raining in the morning.