Er, that was tOwel, not tRowel.

So, I wonder, for the people who don't double up on on & off bike clothes. What if you are riding in the rain, and you are wearing your long sleeve jersey & tights, and then you get to camp, and it's still raining, and you change into.... what? you didn't bring off-bike longsleeve/sweater & pants? Even with a good rain jacket, the jersey underneath is going to get at least damp, if not wet. I understand the theory of bringing clothes that do double duty, but the idea of not being able to change into warm dry clothes after a day of cold wet riding - if that happens even once, it would be worth it TO ME to bring the extra warm clothes.

So, what do you all do?