I had read this thread, and even commented (#48) with little thought that I might actually "get caught" in any real weather. Yet... with a day-long forecast of sunny.... and blue sky as far as the eye could see I went cycling.
No need for taking a rain bike! No poncho, no jacket, not even the little disposable plastic poncho thingy I sometime stick in my jersey pocket. Thank God... I always carry my money and phone in a zip-loc bag.
I rode a vintage-ish 89(?) Trek Aluminum (1400) I had recently cleaned-up. It was it's maiden/test ride. I'd already bicycled on my daily rider that morning before it got too hot. But decided that after lunch I would load up the old Trek in the truck and drive it to the rails-to-trails (something I rarely do) for a fast 20 miles.
I parked and rode to a "station" 10 miles up the path. It was fun easy... and most people seemed to somewhere else... maybe avoiding the mid-day sun. I hydrated for a brief period and headed back to the truck.
Suddenly... it got dark. I felt what I thought might be a few rain drops and stopped to look at what was going on. Sure enough huge dark storm clouds were moving diagonally across my position. Judging by the size and movement of the clouds, my speed a location of my truck I felt confident I would have no problem getting home dry.
I was wrong! I got soaked. There was thunder.... I didn't see it at the time... but there was lighting. The wind and rain was so bad I had real trouble just staying on the paved path. But I ran for it.