are you comfortable being uncomfortable?
if you are not, you may never enjoy long distance cyclo-touring.
can you become comfortable being uncomfortable. yes, you can. if you don't think so.
i hate cycling in the rain. but i hate not cycling at all even more. so I would go. I think the first time I was heading out for an S24O, it started to rain, so I turned around and went home. It really didn't rain much and I would have been fine.

2 cents worth less than half.
mrv