It is easy to say HTFU when you don't care about safety. Heck, right now the major highway by me is under construction, meaning my little lake town main road has turned into a bypass. I'm not venturing out into a nonstop stream of cars who are treading the road as an alternative route, to ride my normal around the lake route.

Twice this past week, we've had rains heavy enough my windshield wipers couldn't keep up. I don't ride through puddles can't see the bottom of, and I don't want to get hit by someone else in a very limited visibility situation just to prove you can do something.

Same goes for cold rain. You may not feel hypothermic, that doesn't mean you aren't heading for danger, riding around in wet cold clothing. I agree when it is warm in the summer, it isn't that bad to get wet, no way I'm willfully getting soaked when the temp is below 60F (15C) or so. Even in the summer, though, I am riding in quick dry materials, not cotton pants. I cant imagine the chafing that would cause if you did it regularly enough.

Cold and ice wouldn't bother me, if I had a bike setup with studded or fat tires. I like the cold. Again, only with condition appropriate clothing.