I gave up long ago really, everything gets wet. I find it better to embrace, hence t shirt on Saturdays ride. I find I overheat in a jacket, even on cold days, which makes life more uncomfortable than ever. I’ve only had one ride in the last few years where I gave up after 7km, it just wasn’t worth it.
Also, spending £300+ on a jacket, to then fall off and rip, rendering it useless, just doesn’t make sense to me. Really, unless I rode half the year in rain would I bother. I tend to now work out whether the ride will be worth it, both training and enjoyment wise. Saturday’s ride for example was riding new trails, in a new area, and was awesome, with a good group. Finished in the pub next to the fire.