I don't mind riding in rain. I think it's OK as long as my core base layer remains dry, as it did on Sunday. OTTOMH, I wore merino ski socks, stiff shoes, underwear, thermal undertrousers, trousers, cotton T-shirt, LS fleece, thin rain jacket with hood, buff, thinsulate buff, anti-mist glasses, sealskinz-clone gloves. It rained on me for about 1h30, pelting for the last 20 minutes.
I don't much like taking off dripping clothes and mopping up the puddles they leave is just annoying... but as others note, if you won't ride in rain, your winter riding will be really limited.
Umm - skin's waterproof, folks? Well, mine is
That must make washing and medication rather difficult.
https://en.wikipedia.org/wiki/Absorption_(skin)
Forget rain, the wind is the only issue recently. Did not expect such strong wind yesterday around lunchtime really screwed up my average speed and I considered not uploading my ride because of it. When you put the effort in and the wind holds you back, stops you getting KOM's etc, nothing is more annoying.
I couldn't care less about KOMs (don't race on the open roads outside of official events, please) but I agree that the wind is more of an issue. I went out with many layers on last week, but I felt awful until I put a windproof layer on. Silly mistake.
Ice is the only thing that will stop me riding. I had an 'off' on the ice last year, and very nearly slid onto the opposite carriageway.
I had an 'off' on the ice year before last - no real danger as I slid down an empty road, but it broke the handlebars. I've got studded tyres on an old MTB for that now.