Been there, done that :yesnod:
At 15 MPH, while turning, you get a nice shower. Otherwise, the rooster tails go straight and don't bother you too much, or if you're turning, they go mostly over your head.
I have driven a total of 10 minutes in the rain in 3 years of ownership, so I don't worry about what happens in that case. Rocks are a bigger concern.