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)
![Sad :( :(](/styles/smilies/icon_sad.gif)
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.