I've had sex in the rain twice.
Once was on the roof of his brownstone where he had a patio set. Laid him back on the lounge and straddled him while the rain drizzled down over us. Thunder sure does muffle moans.
The other time was in Hawaii. Gawd I miss that place. The rain, if you get any, is usually warm and gentle. I LOVED to play in the rain, and well, one time, it lead to more. Sex in the rain is better when you aren't uncomfortably cold from the rain itself.
Now, to spend my lazy afternoon shopping...