I tend to hate raingear unless it's just suck-tastic cold out (i.e. sub 45*)

You sweat too much, etc. I'll just throw on some booties or gore-tex socks to keep my feet dryish and arm/knee warmers if it's cooler. This is of course if I'm not going to be out all day. For an hour or three, being wet isn't a big deal unless the ambient temp is putting you at risk for hypothermia...which usually also isn't a concern if you're rolling at a good clip, and have enough foodstuffs with you.