Well I got the opportunity to test how water repellent my gear was today. The good news is between the internal geared hub and fenders the bike worked flawlessly. But my pannier is not completely water proof, nor is my bright reflective jacket. So I got pretty wet, and my work pants got a small wet spot but no biggie, luckily my computer is in another bag and stayed dry. Typical Colorado weather, dry and clearing, thought I was good, and 5 miles later its a down pour with lightening in the distance. My Brooks saddle is getting soaked too, by the time I got to work there was no point in putting a bag over it. Hope it clears by afternoon.