ZG, you really need to get over this phobia about riding in the rain. Seriously...you're not going to melt, I promise.
MF,
Oh trust me, I've more than put in my time of riding in the rain, 20+ years ago when I was in college I
only had a bike as transportation, I rode every day through 2 full winters in the PNW...
It's not that I can't ride in the rain, but to me it just isn't all that much fun... I do get caught in the rain often here living in the PNW, but if it's dumping buckets outside I just don't feel inspired to go out just for a casual rip...