I don't like riding under rain because my glasses get fogged up instantly, and I can get cold. I do like it when it's hot and raining very slightly, and only a few big drops occasionally hit me

When caught I go slowly because breaking distances augment, and I'm slightly nervous when cornering because the road is slippery.

Bottom line: when it rains in the morning I take the bus. If it's going to rain later in the day I take a chance. My commute is 25min only so I wait a bit if it's pouring and/or go for it.

I don't bring a rain coat. The one I have is suffocating hot. Fenders are a must for road grime coming from below. If it rains often then you should invest in fenders and a coat that breathes well.