clear shower cap from a hotel will keep the body fairly dry. won't help you in a hurricane and it won't protect your lens but it's free. 
i've got a couple in my bag just in case. otherwise i'd just put a plastic bag over top everything and hope for the best.
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-When confronted by a difficult problem, you can solve it more easily by reducing it to the question, "How would the Lone Ranger handle this?"
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