Part of the problem is the difference in what's 'wet' and what's 'cold' in different parts of the country. It's WET and it's COLD here today....40F.....and raining hard enough that I don't even want to take the dogs out. I couldn't imagine riding today unless I was running away or towards something!
When I lived in S. Ontario I could easily have ridden in summer rain...geez, it's like a warm shower there....Out here in Alberta not so much.