Leyawiin for sure. Mostly cos of the gloomy skies and constant rain. When it rains, i feel the way i feel IRL about being out in it. My char runs for dry cover - disappointing then to discover that the rain still comes through stone arches, house porches and other seemingly solid overhangs. I figure like 'oh no its raining again and she's getting all wet - gonna rust that armour'.
A second downer with Leyawiin is those pesky Will O Wisps you gotta pass to get there - they just don' give up chasing, even over water - thats a real pain until you get good enough to either kill them, enthrall them or go invisable and lose them. At lower levels they are quite deadly, so best avoided by not travelling down there.
You got all that right! My character hates getting ready to go out, then stepping outside only to discover it's raining! Back inside to change into rain clothes. Too bad she can't tell if it's raining before stepping out. You'd think one could look out the window or hear the rain, but without mods, noooo.
Then when she gets caught in a downpour and runs for an arch or awning, like you, she discovers it does no good. Why don't those things stop the rain?
Arrgghh. It enough to make her want to live in Anvil (nah, she'd never leave Bravil).