Well I've ridden during a hurricane and in hail storms. For those instances rain gear is a must. Keeps the hail from stinging, and from getting too cold. I can say with rain gear take it extra easy if it is warm outside, plan in breaks as well. Its heavy and slow(not aerodynamic) but will keep you dry and safer. Also some of the rain gear you can get with reflective threading or stripes. Walmart sells basic rain gear in the camping section, or you can go somewhere else for fancier stuff.
Edit: Doh this thread is several years old.
Last edited by silentlysailing; 03-26-14 at 11:02 PM.