Granted in my area, bochurim were attacked when walking to shul. That’s a different issue of pikuach nefesh. Hate crimes unfortunately.
As for rain, where I live, when it rains it floods. Sometimes it just rains. But I am not exaggerating. The roads flood regularly. Only part of the route has a sidewalk.
On a normal rainy day, I wear tall rainboots. If I didn’t the rain would pour into my shoes. My heels slip in sandals.
Since one cannot carry an umbrella, a raincoat can only do so much. I live in a hot place. Thus, even when it’s raining out, the buildings are blasting A/C. I feel like a cold wet dog. And can easily catch a cold. But I have to take extra care of my health, and the normal person probably may be better able to handle it.
If you want to go to shul badly enough, then you will, regardless of the weather and even if it doesn’t make sense. For men, there is an extra sense of responsibility to join the minyan too.
Understandable