i have only had one day of uncomfortable riding, at that was the monday where the rain first really started coming down and a bunch of roads were flooded. and i was fine till about an hour in, then the rain gear gave way and i was soaked from my quads to my lower ribs.
i have yet to encounter any issues with riding in this weather, my heands get a little cold, but the rest of me is fine. sure its no where near as fun as when its dry, but as was just said, i'd rather ride than drive.
having said that, i dont have a car, therfore its either the bike or the bus ahahhaha.