As I've noted in other threads, I once did a 75 mile group ride at a steady 38° in a absolute downpour. As long as I was riding, I was fine. Nothing waterproof. I had a somewhat shorter ride in a snowstorm, just barely below 32, very dangerous on a bike. Had 2 flats as everything was hidden in the snow, fixed them and went on. Nothing waterproof. But yes, things could get lebensgefährlich as the Germans so succinctly put it. But my wife and I never toured with anything waterproof.

I tried the so-called breathable fabrics, but they aren't breathable enough. I suppose I could slow down to a speed where I didn't overheat, but it's not my style. They also say, "Leben ist lebensgefährlich." I've always toured in times of the year when the weather was mostly quite good. More enjoyable that way, though it does lack those challenges. I grew up in Fairbanks, spent a lot of time outdoors in the winter, down to 65 below, skied across rivers at 12, walking paper route, that kind of thing. So that maybe colors my outlook. That said, most folks in my riding group don't wear waterproofs in the rain.