I feel for you, that sucks that the weather is like this. Ive generally been pretty lucky, well, no, not lucky, as Ive toured in months that are statiscally drier, ie summer months and or the dry season in other countries--so I had that stats behind me.

and I get the whole "wasting money" thing, that is significant, so that sucks too.

now we get to the "old guy" thing. I do find it curious when (I assume) young people go on the internet to get answers from strangers about what to do. Curious and I guess a little baffling too, as bozo strangers on the interwebs should not be your point of reference, I mean sure, folks can tell you what they have done, but we arent there, we arent following the weather on the internet that you obviously can and should be doing, so you are the best person to make the decisions that will affect you, not us sitting in our basements in our underwear, never really getting out on bikes but pretending we know what we are talking about (this is sarcasm btw, but I hope you get my drift)

listen, good luck with deciding what to do. It sucks that there is so much rain. It aint fun thats for sure riding in rain, so you have to decide and see what is best. Only you know what is best for you, and only you know the options you have, and the time constraints you have.

yours truly
some old fart stranger giving you a fricken lecture