If I'm training for something, need to get miles, and there's no viable window in the forecast, I ride. If I'm good on miles but want a workout, I'll go to spin class, swim, do yoga or something else.

When I lived on the North Coast, I'd ride in the rain all the time (or else you just don't ride much). Now, I put up with it early in the season, knowing by midsummer it will be scorchingly dry and everything will be on fire. It's hard for anyone out west to really begrudge rain these days, though I still found myself complaining this year with our exceptionally wet May.