Don't know if cyclists in the land of banana benders ever get cold, when rain protection is just a plastic bag; but I sure do remember sitting in a fast food restaurant along with a bunch of grumpy wet cyclists. Thought our cycling friendships would come to an end that day, but we all got through it. One of those surprise rain storms. We went like 30 miles with just plastic bags keeping our feet dry, that we picked out of the trash..
On long tours, I will be better prepared.