Telegirl, while I can sympathize with your plight - get out and ride in the rain! Pretend it's a cross race and the rain is just part of the training. Of course I would suggest you use the studded tires and ride off road, maybe in the woods if it's not a torrenial downpour. I rode in the rain yesterday because I've been dieing to ride my mtb after I made some upgrades. Man, are my legs sore from slogging through the wet sandy/clay trail, but I felt better after I went out.

Forgive my poor memory, but someone just posted about running in a downpour and how fun it was after. Remember when we were kids and couldn't wait to play in the rain and the puddles? Release your inner child!