I'm always afraid of cycling during rainy days. My immunity is pretty low and I tend to catch colds pretty frequently to be honest. If I cycle during the rain not only that I'll sweat a lot (which tends to happen naturally regardless of weather) but I'll also get wet from the rain and there's two times the fear and danger of colds. Not to mention the slippery roads and the possibility of an accident happening. I'm too scared to do that.