A small observation
Biking in the rain isn't really that bad. Sure the roads are slick, visibility decreased, and your glasses streaked with rain. But overall, not so bad. There is a childlike joy in pedaling through puddles while "Singing in the Rain" is playing on a loop in your head. All good. Sitting for the rest of the morning in damp clothes, with damp hair, and a bad case of the shivers—not so much fun.