I am in Seattle and I enjoy riding in the rain. But even so, there are days when I just can't get up the energy to get togged up. On those days, I stay home and berate myself for being a wimp. ;-)

When end I lived in San Diego, though, I wouldn't go out in the rain. It was usually pouring when it rained, and people really did not know how to drive safely in wet conditions. Besides, the rain rarely lasted more than a day or two.