Well, since I'm NOT on tour, and just commute in Summer months, I tend to draw the line at commuting to work in the rain -- Or if there is an over-50% chance of rain on the way home. However, if I get wet, I get wet. That also means cleaning the bike which can take an hour or more, and the wife frowns on my working on my bikes when I could be 'doing something productive' like cleaning the house or.... We must pick our battles...