Riding in Wisconsin reminds me of growing up in Western Washington. I love the rain. I do try and stay clear of thunderstorms. Two people were killed a few blocks from my house last August. They were not on a bike but I am not into lightning strikes.
Fenders and the proper gear and all is well.
I do not think that cars see as well on a dark rainy morning, and I do not think they are looking out for bikes when their wipers are flipping back and forth.