I typically won't go out for a ride if it's raining heavy outside - misty rain is okay. Typically in my area, we get thunderstorms - so short heavy rainfalls, so it's usually easy enough to wait till after the rain. I do ride after it rains but I take turns & descents a lot more carefully than I do on a dry road.

I do have warm gear to ride and I'll commute by bike when it's cold out (okay, I have no desire to ride in the snow or an ice storm - around here, I'm more worried with how terribly people drive in those conditions).... But I tend to get a lot less riding in in the winter just because it gets dark so early - so I can't get out as easily for a pleasure ride after work. yes, I could ride in the dark with headlights and such... but I guess I'm just not that hardcore in general. I'm more likely to just put the bike on the trainer once it's dark. And if it's ski season, I usually have an evening lift pass, so I can just run up and ski for the evening instead of riding...

So that means biking in the winter is more weekends only (aside from my short commute ...