Interesting underwater video from a
Mavic 2 zoom (I like the captures of the fish). Click the link that pops up in the video.
From what I have read on the forum over the last few months, you shouldn't fly in the rain, in humid conditions, through snow, fog, clouds, dusty areas, over the open sea, long wet grass, or beach areas. You should keep it bone dry at all times and dunk it in rice if (horror of horrors) it gets wet.
I could put my drones in an air-tight display case and watch videos of others enjoying their lives and their drones in the sure knowledge that, one day, they are going to regret so much as taking it out of the box.
On the other hand, I could fly my drone, (safely) my way, live life without worrying about the "what ifs" and take the consequences. If I lose it, either claim it on my insurance or wait for Christmas. If it stops working, save up and pay for the repair. I live on a pension so it would be painful.
Not every country has perfect flying conditions. Here in Victoria, Australia, the weather can go from 44Deg celsius and perfect flying to storms, clouds, and foul weather in just 15 minutes. We call it a "cool change" Also, we have stunning mountains with humid rain and temperate forests that run down to hundreds of miles of magnificent beaches. Hard not to be tempted to catch weather shots. In the winter, it can rain for days or weeks on end.
If you fly your drone within the law at all times, and it does fall out of the sky because of some earlier water ingress, then all you will have is a dead drone. I know many professional flyers who do the things that others say they shouldn't and have 5-year-old drones. After rain flying my drone, I dry it straight away, remove the battery, take off the protective lens cover, turn the drone upside down (for water run off) , and rest it in a box that has silica chrystals in the bottom and a small absorbent cloth on top of them. I then put the box in a warm, dry spot, typically near a warm air vent.
If it gets saltwater wet, I spray it gently with fresh water from a small gardening hand pump sprayer.
When flying, it does not go more than a couple of hundred metres away and flys at about 50 metres max.
I will certainly take on board many of the comments and modify my rain-flying practice to reduce the risks, but in the end, if you are not comfortable, it's your choice, but don't look down on others who choose differently.