Weather last night said cloudy with only a 20% chance of showers. Like a dummy, I didn't check again this morning. Right when I'm at the turn around point of my ride (furthest from home of course) it starts to sprinkle. I look up and the skies don't look very threatening so I figure I'll get to ride in 5 or 10 minutes of light rain at worst. WRONG! By the time I realize it's not really letting up, my jeans are soaked from the knees down. Then I notice it's also soaking my socks and boots - remember osmosis from high school physics class? Gritted my teeth and pressed on home getting wonderfully funny looks from all the cars and trucks going by. It wasn't that cold out but combined with the moisture, I gotta tell ya, my hands and toes were starting to lose a bit of feeling when I walked in to the house. So, what factors go into your decision to pull over and put on your rain gear? Once on do you leave it on?