another voice here about getting chilled if wet, I am always surprised how chilled I can get in a somewhat warmish day, but then here sometimes during storms (summer ones) the temp can drop a lot, and especially if you've been getting used to 25-30c temps, when its suddenly 20c 68f or a bit less and rainy, I certainly will get cold if wet.
winnipeg feller, re capes, I may have mentioned this in an earlier rain jacket thread, but I clearly recall using a rain cape on bike when I was a teenager and being so frustrated with the "sail effect". Not something you want with gusting sidewinds, poor visibility and a curvy road with traffic. No wind I imagine they work fine, but those experiences 35 years ago put me off rain capes for good.