Since this has turned into a "how much do you ride?" thread:
As long as the weather is above the low 50s and not raining, I commute on two wheels. I'm not afraid to commute in rain, but why should I put up with the annoyance of the extra gear (which has to lay on the carpet by my desk once I get to work), the slop* all over the bike, etc.? That's why god gave us cars.
*Funny, I don't want a muddy bike, but I'm not that picky about the layers of bugs that are all over it right now.
In warm weather, I do as much of my other running around on two wheels as practical...trips to Costco still require a car.
Winter, my riding is mostly on the weekends when I can layer up and stay that way until I get home. Since we have very little ice/snow, the rain is again more likely to be a deterrant than anything else.
Regarding rain: If I am out and caught in the rain, that's fine. I just dont go looking for it.