It rarely rains where I live, sadly (or happily) this is not the case for many. And if you are shooting outdoors in extreme weather there are quite a few things that you can do to help your gear survive.
And it is not just uber extreme conditions that would freeze your camera, even lesser elements can cause your batteries to stop functioning or the LCD significantly drop its refresh rate.
B&H shares quite a useful video on how to improve your chances of getting a good shot. Of course there is a vast array of rain covers, tip-les gloves and silica gels, but there are some more clever tips on that video. Those three tips from the video are priceless: