You can cycle in the rain. Just plan and get the needed equipment for it.

Also allow me to point you to Mexico City - you can’t imagine the hell it is for car drivers when all the things you mention happen (rain, protests choking half the city, and the subway shut down due to either failure or a strike). I’m talking literally 4-5 hours to get to your in-the-city destination; I once spent 2 hours driving half a kilometer and it was only raining. Just in case your actual point is “it’s better to drive as you’re less vulnerable to an eventuality with public transport or alternative mobility”.