my insurance is good all year and I take advantage of it, the past winter here has been very mild and we have gotten very little rain or snow, there is a drought emergency and it is only spring, I feel like I put more miles on my bike this winter than last summer,
I do own several cars but none of them are on the road,
except for lightning and idiots in cars I don't mind the rain, and if it is a heavy one it does a good job of washing the bike(and me)
I do get a little annoyed on realy nice days when other riders wave, 'cause I know that on the less than Ideal days I am representing while these fair weather boys are bottled up in their cages while the bike stays at home, I know some people are uncomfortable with rain and high winds, but I am talking about overcast days that are a bit cold and require a fair amount of layers,
That is one thing I give respect to the true H-D riders, those guys are out in any weather, with open face helmets! Although they could use a good washing up in the rain as well.