You have to get it. A new bike is cheaper than new teeth. Just tell them the red bar tape is too loud and you need a discount.
Are there alternate routes home where you can avoid traffic if the skies open up?
I have a set of carbon hoops. I love them. Wouldn't want to have to use different wheels every time it might rain. Of course I live in Seattle, it might rain 400 days a year. Having discs means I get to ride my nice wheels every time I get on the bike.