Well John, that's what I love about forums like this. Everybody's got something to share, and if you don't happen to agree with an opinion that's OK too, presumably you've got one of your own. I have learned not to immediately discount a dissenting opinion as much as I used to, and try to understand where it's origins are. I'll think about your response, as I ride every day (barring snow or threat of ice - that little available traction is a no-brainer), but I have to say I actually enjoy riding in most any conditions - except gridlock in brutal heat... that sucks.
My daily commute is only half an hour each way, so I never get that cold or wet now that I've gotten smart about spending money on good gear. Heated liners and gloves are the best! But the smartest money I spent was taking some advanced riding and safety courses, with more to come. I am a VERY different rider now than I was only a few years ago - and I've been street riding on and off for nearly 30 years. Like they say, I didn't get to be a good rider from all those years of experience riding, I just made the same mistakes and misjudgments every year for 30 years...
I totally agree with your stance on assessing risk and making an informed decision whether to go out or not. If it's not feasible, my wife drives me to work. However I do think that with professional training and reasonable caution, street riding in foul weather is safer than 99.9% of people think it is - and believe me, I have my share of people telling me I'm stupid. However they don't see me practicing cone patterns, emergency braking and panic swerves, nor do they really understand the fundamental risk management that motorcyclists - especially trained ones - do every second that they ride. I'm no expert, but I'm a hell of a lot safer than I was.
I guess I'm not trying to argue your point, as it makes complete sense for you based on your personal experience, and it keeps you safe. I just wanted to respond to your statement that honest people would agree that street riding in crap weather is no fun. Me, I look forward to my daily rides, rain or not.
My 2 ¢.
p.s. your old DR is currently in Mendoza, Argentina, preparing for the final leg to Ushuaia in Tierra del Fuego! Still doing great...
Apologies for the hijack...