It’s cold, it’s wet and it’s miserable.
It’s probably not even worth leaving the house, right?
Of course a decent coat, an umbrella and a scarf will keep you warm and dry. Of course you can take a little bit of extra care not to get your camera wet (I don’t care how water RESISTANT your camera claims to be, it’s unlikely to be water PROOF)
But ultimately what’s the point? What is there to see and photograph on a miserable day?
Plenty. The answer is plenty, no matter the weather, the season, if the light’s right then it’s a good time to go out.