Hey Bill, I too have cold/wet then who knows, well my kids got me a Bicycling Jacket for Christmas, it is a Nashbar, I think $40 bucks or so, but I love it, I find if I wear no shirt and just the jacket, or a very light shirt, bot the thing keeps the rain off, and at my option vents me as needed and the only wet I get is sweat, so if that happens I just un zip.

Anyhow wish you the best in you search for a solutiuon.