I bring a rain jacket (and pants and shoe covers and helmet cover) but I only wear it riding when it's really pouring. I also bring a lightweight windbreaker from Sugoi that's supposed to be pretty water repellant. I get pretty sweaty inside the raingear when riding, but it's better than getting cold and soaked in a downpour. Around camp it's good to have full raingear. My jacket has a zip on hood. I don't wear it riding because it's not comfortable under the helmet and restricts my peripheral vision. Around camp I like a hood. I don't want to have to wear my helmet with the cover, and I want to keep my head dry and keep water from dripping down my back.