Did Captain America and Billie pack rainsuits? I don’t think so. It’s romantic to think you’ll just get wet and persevere. The reality is that when you get wet, even when it’s not even cold, the wind chill factor increases with the square of rear tire diameter. I made that up to honor Kevin Cameron, but you can wind up being dangerously numb-fingered cold if the sun sets right after you get doused and there’s no place to get warm for another 50 miles. If you’re setting out very far at all in a place with weather, get a cheap plastic onesie at Walmart if that’s all you can afford, and a bungee net to hold it on your back seat.