Hi,
Surely the ph, osmotic shock issues are more correctly deal with on a case by case basis.
Consider:
Bettas and some gouramis live in small puddles and shallow ditches, so yes,if it did rain, the make up of their water parameters would change drastically by a sudden storm.
And this is reflected in the fact that bettas are often kept in appalling conditions, but they survive. Their bodies are designed to deal with this.
On the other hand, if you take the Rift Lakes which are massive bodies of water. Even a huge storm would probably have a negligable effect on the composition of the water.
And all people who keep Rift Valley Cichlids go to great lengths to give their fish ideal water parameters, more so than people who keep general tropicals.
Or people who keep Discus (wild caught). These come from the "black waters" of the Amazon, a massive body of water and are notorious for being intollerant of anything but pristine conditions to which they are used to.
My 2p worth anyway.