you keep saying that, but being wet isnt the biggest problem, its not as good as being dry, obviously, but you body warms the water and the water then provides insulation from the cold water raining down on you, you can only saturate your clothes and after that it does matter how much rain you get.
the problems comes when it stops raining and you start to dry out, that's when latent heat exchange occurs and you get really really cold, the evaporation turns you into a fridge, so in the scheme of thing, if you get soaked through then you really don't want it to stop raining till you get somewhere warm and dry
im beginning to thing that the people on the other side of this discussion live in the tropics have never spent a day in the cold and wet