I'm too lazy to go buy rain gear, so I avoid rain. But winter is almost my favorite riding season, the colder the better. I rode my bike to work one day, it was something like -35C with strong winds and snow (-40C with wind chill). Loved it ! On my 4km commute, I've seen probably three cars and zero bikes. The worst is really the first 100 meters lol. And I prefer riding in those conditions then trying to start the car, and freeze my butt off all the way to work.