I’m with fietsbob on the cape and I have never tried one. I carry a lightweight military poncho that snaps up making something similar to a cape but maybe not as good. Basically building an open bottom tent with your body as the tent pole. I experimented with riding in this setup several times last year and it worked pretty well. As he mentioned fenders are a must and I also carry a pair of unlined summer gators.

I don’t know how much wind will cause a problem with a cape maybe Bob can comment on that.

Two pieces of equipment that are amazingly versatile are the poncho and poncho liner.