I don't mind being out in the rain when it's not too cold, but riding in the rain is a different story. I have no rain gear, no fenders. My panniers were once water resistant, but they're pretty worn now (I'm shopping for new ones right now in a different browser tab). So far, this year, almost all the rain has been cold. Road grit gets into everything - my eyes, my teeth, my panniers. I get out of work around midnight; there's no way I'm washing the grit off my poor bike (and re-lubing) when I get home.

No, I'm not getting much joy from commuting in the rain.

Incidentally, I wear glasses. Rain and glasses are a pain in the butt, but I don't remember it being much of an issue on my rainy commutes.