Originally Posted by Dave Cutter

Maybe this isn't the place. But IF the OP is a causal rider.... they may never have considered riding on a rainy day. Whereas the ride organizers may be planning a ride come rain or shine. So whether your riding in a cycling jersey and spandex, or a tee shirt and cargo pants.... you'll want to keep your phone in a Ziploc bag. That way no surprise wet event... will ruin your phone.

In my sandwich sized Ziploc... I also carry a few bucks, a pair of nose-readers, and a paper copy of my DL and insurance card.