I spent yesterday riding in "extreme weather", which had warnings dominating out national news: rain, floods, freezing temps, snow, strong winds, very dense fog. None of it made that much difference other than making me ride a little slower than usual and that was predominantly due to decreased visibility.
Tip: Riding dirt, thereby getting used to the bike slithering about (and that you don't freak out and crash as a result) is a big help. That way white paint, drain covers, etc. will be far less of a problem for you.
I like my bike because I can overtake 4x4s down farm tracks with a week's worth of shopping on the back.