I definitely see the validity of that school of thought, but it wasn't very warm that evening and I was wearing a rather thin dress shirt, which very quickly got soaked by the water coming off the back tire and up the inside of the poncho.

It was in the 60's on the way home last night so a bit cooler than it has been, but I was still fine in a t-shirt. Rather than fight to take my place in the traffic lanes going through the one major highway intersection on my commute route, I just wussed out and sidewalk rode through the area.

This morning was around 59 and fairly darkly overcast and misty. I did a quick adjustment on the rear brakes before I left, to just get the slack out of the cable, and that helped a lot. They still need a good cleaning and readjustment though, because the one arm is still sticking a bit, and I'm getting uneven (angular) pad wear.