I grew up in a place with weather like that. And I loved the rain for walking or biking. If it got too intense I'd find shelter. Now I live in a place, and when the noble weather prognosticators say 50%, they mean "flip a coin", maybe it will, maybe it won't. Which to me seems a very different interpretation of what percent precipitation means. And I still love to ride in it, because it is such a treat when it does rain. I figure since it's my main transport, the gear to keep me comfortable on the bike is part of my 'transportation allotment'. Ya definitely need some warmies in this climate, in the Winter. Come Spring, and the warm weather people start riding again. I'm Citizen Smiley Face all, "nice to see folks riding again." We have some social bike groups/rides, and the numbers have a predictable sine curve over the course of the year.