Originally Posted by
Kojak
Good technical wear will keep you warm even when you're wet. Wool is incredible for this as well. I'd much rather be soaked with rain than have my own little personal sauna of sweat.
+1 on that. Figure out what your breaking point temp is (for you it's 50 and up) Wear appropriate layers you need for warmth at the temp you are in riding in and just get wet. Breathable rain gear for high output exertion is pure science fiction. That fabric has not been invented yet despite the marketing claims.
Rain gear with good physical venting is good in the cold, in fact it's priceless when it's 36F and pouring