"If I could just figure out how to beat the rain issue."
You just need to think outside the box:
Bike inside Giant Human Hamster Ball = Waterproof Transportation!
Over the five years I have had the ebike I have put just shy of 9,000 miles on it. The only downside besides rain is a flat tire. I commute thru bad neighborhoods and a flat tire on a $2500 bicycle is dangerous. So my wife is by the phone on my way in and back.
Ebike has allowed us to go to a one car household. A huge savings.