I have to agree with you, in NY as well and feel like I've been living in England with this weather lately. I do plan on getting winter rims and tires regardless, but as far as the rain is concerned, no issues with my Goodyears.
Just letting you know that I've been in the industry for many years, and the odds of recovery are very good most of the time. Most cars do not get chopped up like they did in the 80s/90s, especially new cars.
Get it. I just got my entire nose done, pissed I got 1 tiny chip on the hood on the way to the install. I will post pics tomorrow if you wish, but you can't tell, even in person. I did full hood, full fenders, front bumpers, mirrors, headlights and fogs.