Warm rain doesn't matter, except that it affects your stopping distance so you need to brake earlier. Rain gear is mostly pointless in warm weather because it

Warm rain doesn't matter, except that it affects your stopping distance so you need to brake earlier. Rain gear is mostly pointless in warm weather because it reduces ventilation and leads to getting wet from sweat rather than from rain. For colder rain, I use a Showers Pass jacket, and I ride a bike with fenders. For snow and ice, I ride my mountain bike with studded tires. (The studs aren't really needed for snow but they help a lot with ice.) And I switch from clipless pedals to flat pedals so I can get a foot out faster to catch falls. (I fall about once per year in the dry, versus several times per ride in bad snow.)