I can deal with getting caught in an occasional pop-up shower, but I really don't like riding in the rain. I have a bike with fenders just to be able to ride on wet roads, but it rarely gets used. I wear glasses, so visibility is a factor, plus I don't like being cold and wet. On my rides, I'll scope out barns, picnic shelters, and overpasses for potential places to seek refuge from storms. I ride for fun, so it doesn't make sense to do it when it's just going to make me miserable.