This just happened to me on Friday. A woman cyclist was up ahead, not riding too hard. I was on my 'ride hard and climb as many hills as you can in an hour & 30 minutes' ride. As I got closer, I let her know I was in back so as not to startle her. She was in full-kit (as was I) and as the weather had been threatening and noticing that she had rain gear in her jersey pocket, I remarked that we would most certainly get rained on as I pulled along side to pass. She smiled, and I went on my way.