I'm a new commuter, but so far I've avoided riding on rainy days, mostly because I'm still learning to handle my bike and not very confident about braking, but also because I just don't like the idea of getting wet, and probably dirty!

I'm curious about the percentage of bike commuters who keep to dry days for the above mentioned reasons, and how many will ride in almost any conditions? I should add that I have other convenient options for getting to work by public transport.

I have just bought some mudguards/fenders, "just in case", because sometimes even if it's not actually raining, the road may still be damp from an earlier shower.

Should I just "man up" and get some waterproof gear and a better life-insurance policy?

John.