I commute 22 miles each day in the MA. Its cold wet and miserable at times (the right clothes make all the difference) and the drivers get real angry when it rains here for some reason. At 58 if I deride its going to be too cold and wet, road drainage is terrible on my commute, then I drive. I enjoy the challenge of riding int he rain makes me appreciate the good days. Now I imagine if your from the NW then you scoff a the rain as its a way of life many days.

Since I took up biking again 3 years ago I have morphed into the mindset If I want to do a certain ride in certain conditions I do it, if not I don't.