...but usually shoot from inside a vehicle when it's raining.
Yep, this.
A nice warm and dry vehicle and an open camera bag with a spot meter and various lenses on passenger side seat, a cooler with some food and drinks on the floor, some reading material if the need to wait arises, and a nice non-stop cold and rainy day (and sometimes evening) where everyone else stays home and indoors. Snowy days are even better, if you have 4-wheel drive or chains.
Sure, you can't just walk around in a downpour and being inside a vehicle is more limiting. But you'd be surprised what you can see and photograph from your car window during inclement weather. Besides, I'm just not going to trash my expensive and often irreplaceable equipment.
Unfortunately, where John and I live (only a few miles apart) if you subtract all of the inclement weather days from the set of available photo days, you're not left with very much from October through June. Even worse if you work and so must also subtract Mondays through Fridays. Two-sevenths of an already small number is an even smaller number.
So you find ways to make lemonade. I've always thought that "From My Car Window" would make a good APUG Monthly Shooting Assignment theme.
Ken