I voted "never ride in bad weather" since I normally would not choose to ride/commute in rain or high chance of rain...it's not comfortable wearing rainy gear, and it's not comfortable with wet b@lls either. Of course, I've been caught in the rain and just deal with it as a fact of life.
I don't lube after rain, but after riding in rain, I usually wash the bike soon, which leads to lubing the chain...