Chris D and I live in SF California. Its usually cold here and theres a 3-4 month rainy season every year
I don't have rain pants and I usually pack a soft shell Mountain Hardwear rain jacket if there's rain in the forecast. I wear my True Linkswear Outsider shoes since they're warm and waterproof
Worst rain I've ever played was probably at Kiawah. Only had the one chance to play the course so we were going no matter what. It was fifty degrees with thirty mile constant winds.