What brought this to mind was a substantial hail storm mid float. Thankfully, with a hemet, pfd, skirt and plastic boat I was well protected from the icy projectiles. When the storm hit, we pulled off to shore and started getting chilly, but returned to the river to warm up.
It's like when my GF asks if I'm still going boating when it's shitty out. I always tell her "It's not like the rain is gonna get me any wetter." I still don't think she gets it.