I don't ride in the rain, either. Sure, I've been caught out there, but I don't like it at all. Threatening storms, well, I watch the radar, but I also don't feel badly if I don't go and nothing happens. I'll either get on my treadmill, run in the rain, or go to the gym. Wind, well, it's usually only an issue here after a big rain storm, typically early spring or in the fall. I also watch for early AM black ice on the edges of the road, in the early spring/late winter, as that's what caused my friend to crash and break his hip.