I guess I'll wade in here.
Most people will only ride in rain if it's needed. Since the chain is exposed, the lube can come off. Maybe some of the more mechanically inclined gals can help.
I general, Riding in rain means you need to be more vigilant. If you have rim brakes, you won't be able to stop as fast. And you probably won't be able to handle as well
Practice. I would wait till you get caught out in, which will probably happen sooner or later.