Cold can be manageable, rain can be manageable, but for me cold+rain = stay indoors.
I recently took a first-aid course taught by some local EMTs. About half the class focused on bicycle-related injuries. One thing they mentioned was that you could develop hypothermia in relatively warm temperatures if your clothes are wet. They recommended keeping a mylar blanket in our bike bags. I already do that for non-summer rides, and I recall someone else here once mentioning that they have one, also.
I'm glad your ride turned out okay.
- Gray 2010 carbon WSD road bike, Rivet Independence saddle
- Red hardtail 26" aluminum mountain bike, Bontrager Evoke WSD saddle
- Royal blue 2018 aluminum gravel bike, Rivet Pearl saddle
Gone but not forgotten:
- Silver 2003 aluminum road bike
- Two awesome worn out Juliana saddles