I've been nearly-full-time bike-commuting for about 7 years now. San Diego weather makes year-round easy. In the beginning, reading about all the rest of you that ride in rain and snow, I felt I had to ride in the rain as well. But the last year or two, I decided, I got nothin to prove to nobody. If it's raining in the morning, or if I'm aware that a storm is coming and I'd get dumped on in the evening, I'll just drive. But I can never remember to check the weather ahead of time, so once in a while I get surprised by some rain when I'm at work. And that's ok. I ride home and get wet. Then I shower and towel off.

If I lived in Portland or something, I'd invest in showers pass rain gear, and fenders. But for like 5days/yr lost to rain, it's not worth the money to kit up.