I can't drive to my work, so if I wish to avoid riding in rain, I either need to catch a ride with my spouse (which is not always an option) or catch a bus (which doubles my commute time and is generally inconvenient). Still, riding in rain can often be frustrating and uncomfortable, so I do sometimes take the former option.

For the most part, I'm more concerned about what rain does to my bike than how it feels, unless it's also cold. I hate having to take the time to clean my bike. Besides, the only dedicated commuter bike with full fenders that I have is an ancient hybrid that is somewhat unpleasant to ride the 8 miles between work and home. So I'm usually on my road or cyclocross bike, and as I mentioned, getting them covered in grime is extremely aggravating as a regular thing. I would add a full-time commuter road bike with full fenders to my collection, but my bike budget isn't unlimited, and keeping the race bikes fully functional comes first.