Rain makes you wet no matter what you are riding...because it's water. If I wear my raincoat I just sweat inside of it. If I don't wear it I get wet from the rain. I Take an extra pair of socks because I'm gonna change my shoes at work anyway, and maybe a dry shirt, pack them in a zipp lock and change when I get to where I am going...works for me. I have seen pictures of bents with tops on them. They don't really look like they would keep the rain off very good, though.