Thank you everybody this is exactly what I wanted, everyone to give their personal insight
however it may be awhile before I ride in the rain because I'd rather invest in offroad gear before rain gear. Now when/if it gets warm soon i do have nylon clothing that is waterproof i could wear pro tempore until i get real gear
and I am possibly going to purchase a bike soon so I can't buy it all at once ha
but i appreciate all the comments an stories glad it turned into a hot topic.