Hey, Gnat! Congrats on the new bike......what did you get?

Are you going to use your raingear for commuting or club rides or what?

Thumbholes and hoods are probably over-kill for SF and they will also compromise your mobility/range of motion (just try turning your head with a hood on).

In my experience riding here, I rarely need rain gear for recreational riding. I used it occassionally for commuting, but we really don't get as many rainy days as you'd think.