I have read the whole thread, and have not seen part two of flying in icing conditions, rain or other types.
Carb heat reduces HP for a number of reasons.
The longer path is more friction loss, and lower pressure at the intake valves.
The increase of air temperature reduces its density.
The lower air pressure at the venturi causes more fuel flow, making an over rich mixture.
The over rich mixture should be corrected with the mixture control, regaining some of the lost HP, reducing the fuel evaporation to reduce the evaporative cooling, and regaining most of the flight planned range.
I have encountered ice many times in high dew point days, and have learned that I had to leave the heat on for about a minute to be sire that any ice that had formed was gone. It was surprising how much RPM came back from over rich when I ran heat continuously and reset the mixture in near dew point cloud.
One of our planes had a carb temperature guage, and it gave me quite an education about temperature change from OAT to top of the carb.
Back to the OT's question, I have flown in rain so heavy that the plane slowed 3 knots (No convective action), and went to full heat just to be sure no ice occurred. The outside air was saturated, for sure.