I only ride in the rain if it's the weekend. I'm not about to get all kitted up for a ride in the rain after work. It's just not worth it. But when I have a free weekend, I'd much rather get out and ride, regardless of the weather, than sit around all day. In Northern California, we don't get cold enough weather to worry about temperatures, though once in a while, we'll get a really really cold storm that's not fun.
BTW, I have a dedicated bike specifically for wet weather. I would not ride my "nice" bikes in wet weather.