Sheets of rain do not care who is fittest; they obey geometry and flow. A car that looks obese on a narrow lane can still meet the air with a smaller aerodynamic penalty than a rider curled over race bars, because drag is ruled less by size than by how cleanly air can reattach after it separates.
The counterintuitive part is simple. Area matters. Shape rules. Drag force scales with frontal area, air density and the square of speed, but the drag coefficient sits in charge, and that is where cars win. Modern bodies are sculpted as controlled bluff bodies, with rounded noses, tapering rear sections and underbody panels that guide the boundary layer, shrink wake size and suppress large vortices. A cyclist, even in an aggressive tuck, presents a chaotic outline of limbs, spokes and helmet that triggers early flow separation and a wide, messy turbulent wake.
Designers exploit tools the rider cannot. Wind‑tunnel optimization, computational fluid dynamics and subtle devices like rear diffusers and wheel‑arch shaping trim the pressure drag that dominates at road speeds. The cyclist relies mostly on posture and clothing, unable to hide cranks, calves or rotating wheels from oncoming flow. So the bulkier machine, with disciplined streamlining and a lower drag coefficient, can spend less energy per unit speed cutting through storm‑thick air than the exposed human engine just ahead of it.