The ebike with the tire on tire drive is like that. I rode it through a puddle up to my feet on the pedals. when I came out, I kicked in the roller and it took off. It was slow a few feet but it dried off the tire quickly and was fine. In the rain it would have probably been worse.
Like you, I don't ride in the rain. I'm retired. There is nowhere I need to go, that can't wait. If there were my wife still drives, I can catch a ride with her on her way to babysit our grand kids. That and her volunteer work take a lot of her time.
I have actually thought about this, If I lived alone and was totally bike dependent. I would have one ebike and one gasoline bike just as I do now. I would have a trailer, just as I do now. I would go to the store, in the shopping center with an auto parts store as well, which is bout ten blocks away on either bike. The weather forecasters of rain are pretty good these days. II would lay in extra canned and frozen food enough for five days. I have never seen it rain any more than that. I live within a mile of three drug stores, not that I have any active prescriptions. I am within three miles. one way. of a wally-mart store. Three miles one way of the marina.
If my daughter wanted to see me, she could come visit me eight miles as the car runs. If not, life would go on, even though I would miss them and the grand kids. I think I could pretty much get bye with a bike and nothing else.