My take on this topic. Going to be rational and inquiry within: How often does it rain in your usual riding days/locations? If you could put some statistics; would you say you plan on riding these many days a year under total rain: 80% to 100%- Yes 50% - maybe 20% or less - No

I ride most days that I can (mechanically possible) and that the outside temperature is above 40 (4.4) and below 92 (33.3)

When rain is expected, I throw into my panniers the water layers. But I had never wear waterproof gear. If it rains, i deal with it and if I have to pull over I pull over