>>1406502it depends on the distance you are covering and how heavy the rain is
but for the most part rail coats and trousers are worthless as they have no ventilation, you get more wet from sweat than rain unless you ride slowly
on bikes the posture is such that only the upper half of your back and the top of your arms and thighs really see a lot of rain, and your feet too if your unlucky
the rest of your body does not need to be fully water proofed and should be slightly permeable to the wind
on longer trips fabrics will become saturated and hold water onto the skin
the thicker the fabric the more water it holds the longer it takes to dry
windchill from wearing only a tee shirt and shorts is less of a problem than carrying around several kg of water on your skin
most important to keep dry and warm is head, feet, hands , fore arms
neck and cheast should be kept warm too but its not as important
the legs almost generate their own warmth so the need to shield them is minimal and its almost beneficial to have them cool down the rest of your body