I'm sure the rain wasn't that heavy when I looked out of my window and decided to cycle to work.
Huge ploppy raindrops yes but not that many were falling and it didn't seem that wet. How wrong I was. As I stopped for the billionth time to wipe my glasses I realised I was a very rare breed on the road. There weren't may cyclists at all and the rain seeping through my leggings was why.
The mist and rain fogged my glasses so I stopped regularly to clean them, I tried to avoid as many puddles as possible and pootled as the rain had affected my braking somewhat. Cars were, on the whole, quite considerate although there were a couple of nobbers who weren't looking. As my last accident was in rain I was in my high-vis the whole way and was extra careful at junctions and where there where blind turns.
I was warm throughout and, actually, the only part of me that got REALLY wet was my feet and I have spare shoes at home anyway. I also have waterproof socks for the journey home.
Sooooooo, the critical commuting question is: would you rather get wet and sweaty in a crammed tube carriage or get wet feet?
No contest really.