dry on my trip to the store. if you have fenders that go far enough down the back of your front wheel you don’t even have to worry about your shoes getting wet. i intentionally rode through puddles for fun to splash in the water, but was not concerned for my shoes or clothes.
most of the time you probably don’t ride while it is actively raining. but it can take hours for the roads to dry after a rain. even if you do ride in the rain, you will be getting wet with clean water from the sky. if you have bicycle fenders on your bike you won’t get the 