I've bike commuted long enough to have the proper gear, so while I don't really like it, it's not a big deal to ride in the rain. However, I avoid riding in the rain at night.... visibility is just too awful. Car headlights reflect off of wet roads and blind the bejeebers out of me!
I'm reminded of October 2019 when I joined a few fellow BF members on the Hilly Hundred ride in Bloomington, Indiana. On Saturday, it was raining and 50F in the morning. Myself, Allen (@nomadmax) and Robbie are all former Marines, so we have been indoctrinated with the idea of amphibious assault and couldn't justify not going out in this weather....
I'm on the left, fully kitted out for this nonsense.

Dale (@speedevil) joined us a mile down the road, where he had been waiting.
By the end of the day, the value of full rain gear had been proven!
A lot of riders ventured out with little or no rain gear, and more than a few had to get bail out midway. It never got above 50F or so, and the risk of hypothermia was real.
Steve in Peoria (nice and dry so far today)