I agree with that as well. I ride a cruiser and I wear a full face helmet, jacket, boots or shoes covering the ankles, and at least thick denim pants. Sometimes I think about getting a 3/4 helmet but I don’t think I could bring myself to do it.
When I was real hardcore riding everyday I wore waterproof jacket, pants, and boots. Now I just don’t ride in the rain at all if I can help it.