I totally agree with preferring cold weather to rain. Some of my best commuting months have been in the dead of winter when it's been dry, and some of my worst months have been in warmer months when it rains all the time. However, if I have to ride in the rain, I prefer it to be cooler because my rain gear works better. When temperatures are higher than about 55-60 degrees, I end up getting about as wet from sweat as I do from the rain. There is nothing much worse for me than riding in warm rain because your raingear is essentially useless. The aspect of riding in the rain that is most frustrating to me, however, is not being able to see well. I need to wear glasses, and they fog or spot up in rain so much that it is hard to see. I had a crash a couple of months ago while commuting that was directly related to this. I couldn't see the road clearly, ran off the edge of the road and went down. Fortunately I wasn't hurt or my bike damaged, but it easily could have turned out otherwise if a car had been passing me closely at the time.