I'm in Eastern Ontario.
The finish line is strain dependent. I have some that finished already and are drying now, and some are only a week into budding (a kush)
I've harvested Swazi at the end of November. Freezing temperatures will hammer the fan leaves, but the buds can handle freezing temperatures with ease.
If you're that close to finish, I wouldn't worry a whole lot about it. Google "Extreme Defoliation" and you'll see some pretty aggressive fan leaf removal. If I have time, I completely defoliate a week or two before I harvest with only sugar leaves remaining.
As for the "wet" part, I've harvested in the pouring rain often. The trichomes keep the rain from hanging around for long. I little shake of the branch and it slides off. I'm always a little worried about my kush molding because the nugs are rock hard at harvest so I dry them a little faster than I should.