Like a lot of those who've posted, if I didn't ride on the road in the rain, I wouldn't be able to ride. I dress for it and LOVE my disc brakes!! The disc brakes were what really sold me on my Volagi. Full fenders are great, though I didn't put them on at all this year, even though I did a couple of 200ks in really bad rain.

Generally if it's just a casual ride and it is absolutely dumping, I will probably stay in. But if it is a ride I have planned, or it's just sprinkling at the start, I'll go.