I understand your concern for your bike. Yes, wet weather is hard on all the bearings even if they are "sealed". In this case sealed does not equal water-tight. On the other hand, in spite of naming and giving personalities to all of my bikes, they are machines to help me. If your new bike is the apple of your eye and you want to keep it pristine for as long as possible, get a beater. Maybe a second-hand road bike if you can find one to fit you. If you are prepared to add 20 minutes of bike maintenence after every wet day ride, why not use your bike? 5 years ago I bought a new steel bike in October and rode it all winter. Yes, by spring I needed a new chain and cassette, but I didn't have to replace the bottom bracket until last year after roughly 6000 miles (I broke 2 computers in that time). I replaced the head set bearings 2 years ago. I still get a kick out of that bike, partially from all the quality time we have spent cleaning and tweaking, partially from all the memories, but mostly because it still rides like the day I got it, even if it is a little more battered.