I don't consider it any higher risk at all and I guess it will forever be a mystery for you.
Many of us ride for the love of riding - good weather or bad makes little difference.
Nearing 50 years and it hasn't changed.
Tunes on - surfing the gusts.....much fun. All pumped and happy when I get home.
If I didn't ride in the rain in Australia I'd rarely get out as in the wet season it just about is guaranteed to rain every day for at least part of it.
There you don't bother with rain gear as you just get wet then you get dry again
Didn't you EVER splash in a puddle when you were a kid....same thing.
It can be dry as a bone for 100 km then
Get wet - ride on.
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I have sufficient Bailey's to last the week but I better grind some coffee