Ditto, except I'll sometimes use waterproof trousers when it's cold. I hate how sweaty I get under a rain jacket in normal temperatures, so I prefer a waterproof/water-resistant gilet: head and arms still get wet, but torso stays dry and, most importantly, air circulates through the arm-holes so I don't get too hot.

My mum asked for a full-on bicycle rain poncho for Christmas, and she lives in tropical Singapore. I don't think I could last more than about 5 minutes in one of those things in that climate.