I have ridden in the rain all my life, back in HS I rode everywhere with the howling wind from the Columbia river gorge out in East county, it rained from Sept. to July back then.

My best friends house was only about 2mi. away but it seemed like 10 in the dark with the wind and rain beating you to a pulp most of the time.

I have commuted plenty the last 6-7 years, plenty of rain and drizzle. Wore out the water proofing of a stellar Drift Creek Outdoors Tundra Tech $30 jacket in the last year, still works fine off the bike. Should have bought half a dozen.

Replaced it with an Eddie Bauer BC Uplift that so far works very well early on, no commuting yet but several pouring rain rides have gone well.

Its all about the gear and wrangling it, mix, match, too hot, cold, sweaty, etc. ad nauseam, we all know the drill, I normally overdress so am too hot and or sweaty but cannot tolerate much cold when riding, especially cold and wet.

Merino is the great equalizer for me, hat, socks and a base or mid layer can level out a lot of misjudgement for me.

Here's a crappy pic of the setup,