This time of year in my area, there's a possibility for t-storms pretty much every day (8 out of the next 10 days says weather.com). If I didn't risk a ride in a thunderstorm, I might as well drive every day. I'd have finished my ride much like you did. If the rain got so hard that I could no longer see, I'd pull over and wait it out. Same with the hail although I'd probably find a tree or something to sit underneath.