OP in Alabama , may be chillier than on a Caribbean Island,

but will likely still benefit from Layering . shell jacket, rain resistant + layers of Insulation
under it to add and subtract as the temperature changes..

opposite side of the continent, I'm probably riding in my showers pass jacket
tweedy Portland in the summer on the NW Coast, those look nice

but in the winter here the Neon Green Carhartt parka comes out..

Im so Post race bike..now..

For the Squalls and deluge I get out the Cycle Rain Cape.

Not sheltered behind the Olympic Natl park and mountain like Puget sound.