I get this — but in the Lakes district (England) or anyplace in Scotland, rain at 40F is still common yet folks are unperturbed and continue their daily outdoor activities.
It's amazing how effective a wool sweater and coat can be in those situations. They're very breathable and hydrophobic. I don't think they'd work for the pro cyclist but they're great for the layers-oriented worker.
A lot of this is because it rains so often if you didn’t get used to it you’d never do anything.
Same with golf, most golfers in UK and Ireland will have extensive rain gear, umbrellas etc to play golf otherwise they’d be limited to like 4 weeks a year.
When I lived there I had that gear too but when i lived in Texas I just didn’t play when it rained as I knew a sunny day was around the corner, year round.
Florida rains everyday in the Orlando area but only for an hour and most of th time it’s dry and sunny.
There is a world of difference if you can get into a warm place within minutes, or every now and then.
I also don’t care about rain when going shopping, or walking through the park, or for tourism. But I’ll be extra careful if I’m trekking or biking, as there’s just no option to quickly move to a resting place if I get too wet or too cold. It’s not like I’ll hop into a Starbuck in the middle of the mountain trail.
I haven't been to Florida for many years but this was my experience, when the rain drops it's like being in a shower. You keep wearing light summer clothing so you dry out quickly even if you get caught.