Because its too cold for any water to evaporate and precipitate back down to earth I think you meant to say that it is too cold for water to CONDENSE and precipitate back down to earth. If it is too dry, water WILL evaporate.
to another rain drop: Don't you ever get tired of doing the same thing over and over? I mean come on, precipitate, condense, evaporate, precipitate, condense, evaporate over and over and over. I tell you I'm sick of it!
It warms it up to evaporate. It cools it down to condense it. It rains to precipitate. It flows off mountain, hills, Etc. to runoff. And it CLEANS it, turning dirty, salty water into pure clean potable water.
Clouds and steam are forms of evaporated water. Water is the main base for evaporation to occur. Bot clouds and steam can condense in a cool temperature, while water can bothe condense and evaporate. So they are not much alike.