What a freak. When I lived close enough to work to bike there, I would sometimes have to bike home in the rain. It totally sucked without appropriate rain gear. And if it was raining when I left home, I would just drive to work that day.
For some people there's a point where riding in the rain turns from sucking to being fun. For me it's when it's pouring down and water is sloshing around in my shoes. I meet other drenched cyclists and we just smile at each other. We can't get any wetter, might as well enjoy it.
I don't enjoy going cycling when it's raining, but I get used to it and sometimes end up liking it. Same with the cold.