Lighting and thunder shows up, YOU get the heck outta there quick!
Besides that, It’s not wet and cold if you are wearing the proper gear. I use my lightweight frog toggs when its raining and I still wanna fish. They are fabulous for the price you get them for.
The fishing can be great, or it can really suck. depends really, I have had some days when the fish die off the bite when rain shows up. Other times it’s ridiculous how they start to hit.
The rain drops hitting the surface will mask some flaws in presentation, and allow you to use a bigger tippet size.
Fish get less cautious when it rains. The water is all covered in droplet rings so the fish cannot be seen by predators as easily(predators do include you
)They come up to or nearer to the surface and start to feed because they let their guard down.
I use streamers and nymphs when it starts to rain and usually catch my biggest fish when it rains because of this guard letting down.
My streamers usually consist of bunny strip flies, palmered bunny flies, buggers, and other big boys of the streamer family. Most any color really, sometimes white if I want to see the fly. Mostly black, olive and brown work the best for me, though.
Nymph’s can be mostly anything! I use all the usual lip rippers, Pheasant tail nymphs, GRHE, Copper john, and others. Emergers also work well for me in around a #12-16, buggy emergers though, like my Picky trout killer.
Anyway sorry for the long post, just tryin to help out 