Doing ride the Rockies, too. Rain and chill are a real concern. If it is raining (and especially if you are headed down hill) it will be COLD.

FYI I'm packing a smartwool zip-T, Toesters, knee warmers, gloveliners,and a Marmot precip jacket. I have not been able to shove it all in my detour handle bar bag. The precip jacket is kind of big. I was thinking of a fanny pack for the precip jacket, but need to test ride that combo. Never ridden with a fanny pack.

I am not worried about getting clammy, but am worried about the cold. But if clammy and then get cold, there is a problem...

And, needless to say, no cotton.

SKM