I skip the ice and snow bike rides because people around here drive like idiots. If we're going to play bumper cars, I want a couple thousand pounds of CAR around me! Lucky for me there was little traffic yesterday when the snow shower hit!
But I did get caught in a hail storm once. I misjudged the weather radar and thought I could get home in the 25 minutes before it hit. The thunderstorm moved faster than I thought, and caught me halfway home. I took "shelter" under a narrow overhang of a convenience store (in the worst part of town, naturally!) when the hail started coming through my helmet vents. Once that let up, I took off and promptly found myself in a foot of running water 50 yards down the street.