waterrockets 

I hate rain jackets. I'll wear six jerseys before a jacket. In Colorado, I'd only wear a shell if it dropped below 20F.

I like to layer it up and just deal with the fact that I'm going to be wet. Last year I did a couple weeks in 34F rain, and I did just fine with leg warmers, tights, toe covers, shoe covers, bibs, up to two ss jerseys, arm warmers, ls jersey, headband, skull cap, and either fleece gloves or lobsters (I'd bring both and rotate as needed).