Worst I had was one day when I drove to work when there was only a small chance of rain. Near the end of the day, the sky started getting pretty dark, so I decided to head out a bit early...but not early enough.
I had barely left work when it started to come down heavy and I got stuck in rush hour traffic that was even worse than usual because of the heavy rain. I probably could have pulled over, but I was already wet and figured that it was best to just deal with it until I got home. Halfway there, I heard on the radio that there was a tornado warning for my neighborhood, so I took the nearest exit in order to just get to a gas station and park. Of course, there was no gas station really close by, so I ended in traffic through side streets for another 5 min until I finally got to a gas station and parked under cover. Fortunately, it didn't take long for the warning to pass and I finished my trip home.
My commute is normally about 20 min, but with the extra traffic and tornado warning, it took me well over double that.
No lasting damage to anything in my TJ, but I was pretty soggy when I got home, haha.