In PNW the reality is that there are two kinds of cyclists: the weak and the wet. I have ridden 70 miles in heavy rain and a steady 36° and been OK but not happy. One just has to know how to do it. After turning 70, I initiated a new policy of not riding in heavy rain below 40°. If you want to know how it's done I can tell you, but that's beyond the subject of the OP.