Rain is not so much a problem.

But I'm definitely re-thinking riding in the wind*. I did a ride recently during one of our winter "storms" here which had high winds. I found out shortly following the ride that a guy we'd passed just minutes before died instantly when a tree was blown over and fell directly on him. No doubt it was a freak accident, but that ol' wind sure can wreak havoc. There were power lines down all over the place, debris flying, and gusts strong enough to quite literally blow us off the road.

I don't think I would have given that ride away to anyone foolish enough to take it.

I used to ride in snow and ice a long time ago when I lived in less temperate climes. Also no biggie.

*Edit: I should clarify that I mean riding in wind after/during strong, hillside-saturating rains as are typical of what we get here. I would not stay home just because of a headwind or breeze!