Mountain bikers have enormous fun chasing down mudtrails, crossing rivers and jumping off special ramps into lakes. If you're into mud and spray, take the mudflaps off and speed down some muddy field track. Try it some time. You might enjoy it.

Remember that chains and bearings do not like water. Unless your bike has sealed bearings, like good mountain bikes have, it is perhaps better to find other ways of suddenly ending up in the water with a big splash.

In any case, careful cleaning and lubrication of your chain is required afterwards! It is also quite easy to hurt yourself, unless you know what you are riding into.

T-shirt or cycling shirt, cycling tights, anorak with rain pants, socks and shoes with a good grip. Even if these clothes get wet, they protect you from windchill and sunburn.