I have a $60 GoLite running jacket that I use when it's warmer rain (warm being 45ish or greater). In the lower 40's, you can get into some serious trouble with being wet, expecially if it's windy. The GoLite jacket is very lightweight & does a great job at keeping the rain out, but it also have some vents to allow some air flow. Then I have my Mountain Hardwear jacket (I forget the name) for it i get caught out in the rain & it's colder than 45ish. If it's over 70, I just ride, no jacket, as everything is stiffling in that weather.