Having spent the last fifteen years cycling daily, rain at 1C / 33F is colder than snow or ice at any temperature. I'd rather be in -20C temps than wet in rain

Having spent the last fifteen years cycling daily, rain at 1C / 33F is colder than snow or ice at any temperature. I'd rather be in -20C temps than wet in rain at just-above freezing temps. Florida rain is not comparable.