Joseph, I have a waterproof raincoat and a waterproof rain hat. I’ll wear them to walk to shul.
After we die, when we are judged, they may ask, “How important was it for you to go to shul?” I don’t want to say, “It was more important that I stay dry!” I’d like to be able to say, “Important enough that I walked in the rain to make sure I got there!”
When it’s windy, the coat doesn’t always do the job. It only comes down to about my knees, so my pants legs can get soaked. When that happens, I’ll usually end up changing when I get home.