I’ve got that nashbar detby jacket..was like $25. I really like that. I’ve been out a handful of times in steady, cold(40ish) rain, anf was pretty comfortable in that with a thermal, wicking base layer underneath, with wool tights under spandex tights. The key is just getting stuff that doesnt hold a ton of water, and will still insulate when wet. I never truly ‘feel’ soaked with this setup, even though I am.