So I rode into work this morning in a flash flood. I was only going from waterloo to the city and I am drenched. My summer jacket held up fine with the zip on liner underneath but I am soaked from the waist down. I bought some rjays waterproof rain pants but they have a tear in the crutch even though this was the second time that I have warn them and in this little hole came more water then i would have imagined possible. My boots (just plain steel cap boots) are full of water as I was basically riding through a river for most of it. So now I need to get new gear that I can stay dry in but I can't really afford it so was wondering where the best line between cheap and actually working is. Also how do all ye commuters carry around your gear? I have been shoving the pants and liner into a little tank bag and carrying that everyday just in case.