My drop off points are "am I going to be wet and really cold?" along with "will I also be riding home in the rain after putting on cycling clothes/shoes that are still wet from this morning's ride in?"

I have a good cycling raincoat, helmet cover and waterproof lobster mitts but no rain pants and a poor excuse for shoe covers so if it is less than 10C/50F and raining, I won't ride until I add those items to my kit allowing me to stay drier and warmer on both journeys. I can deal with getting wet in mild to warm rain temperatures and I can deal with cold if I am dry (ie., winter snow) but right now, I'm waiting for next fall's purchase of proper commuting rain pants and shoe covers before I will ride in cold rain.