Yesterday on a dark damp morning, I took a tumble when I focused on the oncoming pedestrians on the bike trail instead of the curb that was curving to the left. VERY LUCKY I was that I fell off onto some damp grass and dirt. On the way home, I saw that my right knee had left a crater in the dirt where I hit. Would've likely broken some over 60-year old bones without that triangle of dirt and grass there.
So, today, (getting back on subject), it was raining hard when I got up. No way was the get-off going to scare me back to the automobile. It was about the most careful very wet ride I've taken in a while, but well worth it. My conversion to all-weather (no ice) riding is almost complete.