The rain/temperature combination is more a concern for me. I can take cold, or rain, but the combo isn't much fun (pouring rain hovering just above freezing). While my gear would keep me warm and dry is isn't much fun just hunkering down under my tarp all night. I really prefer to have a nice fire and socialize with my hiking partners.
So, your real question might be more like "how will inclement weather impact the goals of my trip"? If you're just out there to test your gear and put in some miles then the impact is minimal. If you're wanting to sit around and relax in comfort then this might be a different story. There's nothing wrong with being a "fair-weather camper" but it does kind of limit your opportunities.
I spent a week on the AT about 3 years ago and it poured 4 out of the 5 days. We stayed mostly in the shelters and by the end of the trip most everything was kind of soggy. It wasn't much "fun" slogging down the trail in the rain but it my gear did what I needed it to do and I stayed "dry" for the most part. The crappy weather just made you really appreciate a good hot dinner and some dry clothes and sleeping bag. Still made for a great trip with lots of good memories.
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