I will not ride in pouring rain if it is raining when I start off, I have been caught out, sitting in a ditch on one side of the road with my bike on the other when the thunder and lightning starts, and literally knocked off the road by a rooster tail from a truck passing me. I do ride in the wind but not once it gets over25 mph- it just isn't worth it because no matter what direction I ride, I will invariably at some point be riding into it. snow and ice are not issues around here, yet, maybe if global cooling sets in.