I wear a light nylon jacket and the rest of me just gets wet. When it is raining, it is usually too warm to wear waterproof garments. I get wet from the inside if I do. If it is raining it isn't very cold out so I really don't mind getting wet. I never bought into trying to stay dry on my bike.

When it cools off then you don't need waterproof garments because it's snowing. In Colorado it was easy because even the snow is dry. Here in Seattle it's just wet and so am I.