Not interested in cycling when there's snow on the road. In Ontario I never cycled in winter. In Vancouver, our climate is mild enough that I do it winter, but less than warmer seasons. I will cycle approx. -5 C degrees or so. (Can't remember the Fareheit converter here, but that is below freezing.)

Don't mind light drizzle,..but unrelentess pouring rain, is just a drag.

Ok....we don't have a car.
So reality is, that ...grocery shopping is necessary and so if there's no other choice, will cycle in rain. Commuting, if at beginning, I have a choice will not cycle in steady reain, but will do it on return...after all, I have get home!

Will cycle in rain on bike trips of course. Often there's no other choice. Bike touring with loaded panniers on vacation, yes, happened often enough. For whatever reason, the trips I've cycled in Quebec I have memories of many hrs. of rain. I could never forget cycling 6 hrs. in continous rain in Quebec in the summer.

One thing for certain, as soon as it thunders...I get the hell of out the rain as fast as possible!!!! Lightning is terrifying on bike.