As others have pointed out, getting we when its 40F can quickly turn into hypothermia really fast. You can also get sweaty, then cold on a 40-50F day in a rain

As others have pointed out, getting we when its 40F can quickly turn into hypothermia really fast. You can also get sweaty, then cold on a 40-50F day in a rain jacket if you're moving around a lot. Being cold and wet is no joke.