I mostly bike commute. Lucky for me, here in Colorado Springs there isn't much rain, and when it does it usually doesn't rain hard for long. And since it's a relatively dry climate, one doesn't stay wet for long. So I will ride without hesitation if there is a 30% chance of rain or less. Above that I will pass for a day or two, but after that I will ride regardless of the forecast. A couple of springs ago it rained much more than usual, and even in the morning which is rare. So I just went for it...and I was glad I did. Riding feels better than not riding. My old MTB commuter and new semi-tourer commuter have long, full fenders, and I merely cover my backpack in an upside down drawstring kitchen bag and put my phone in a ziplock sandwich bag. I turn on my bike and helmet flashers and go. If it is under 50 degrees I will wear a water resistanr wind breaker. I have been caught out on the rain on my old roadbike, and I carry two Fed Ex cardboard envelopes in my backpack for that. One gets folded in half and gets bungied to the botton of my saddle bag to prevent that stripe up my back. The other gets folded in half and bungied to the bottle cage on the downtube to help prevent upspray.

Just yesterday on the way home from work it began raining. I'm usually good until it gets heavy enough that you'd need your cars wipers on high. Then I look for an overhang or something and wait. Yesterday I waited 15 minutes, and then continued home under light showers.

Some think I'm crazy, but I agree with you...sometime's it's fun getting wet! (nice video!)