Hi sapo916,
I ride rain or shine. The only day this winter I specifically did not want to ride was when the roads were iced over. I'm a crazy, not insane!
The effects on my bike - it gets dirty.
Really dirty!
The effects on me? Well, I have not invested in rain gear. Too disappointed in some gear I have purchased to grab something without looking around. What I do have is okay, but without a proper rainsuit, you are just going to get wet.
So, I pack my stuff in a waterproof camping bag. I take an extra set of clothes (shirt, pants, socks, underwear, and
shoes). Once the water finds a way in, it just keeps coming.
Last thing is on riding... Know the roads you ride when they are dry. In North Carolina, we have a lot of red clay, and in Raleigh a lot of construction. One of the roads I can't avoid, I have dubbed "Red Slop Pass" because of the constant renewal of clay - and it is no fun when wet. Also, people in cars... How can I put this nicely? They look through motorcycles when it is dry and sunny... They look through
everything when it is raining.
Lengthen your follow distance.
Wet insulated pants are better than wet jeans at 60mph.
Staying as warm as possible is important. Hypothermia on a bike is not something you want.
Best thing about riding all year... You get to sneer at the yuppies who only ride when it is 75 and sunny (sneer behind your helmet... they do still ride, afterall!

)
--David
Don't think of it as a stop light. Think of it as a chance-to-show-off light.
Vulcan 900 Classic LT (2007)
Ninja ZX-6R (2006)
Ninja 500-R (2004)
454 Ltd. (1986)
Boulevard S-40 (2005)