I ride 90% of the time with a Tourmaster Intake jacket. The jacket is for hot weather but it does include a liner for cold weather and another liner for rain. I think you need to use the rain liner to use the cold weather liner.
I almost never need the rain liner around my part of the world (annual rainfall of less than 20 inches!). In addition, putting the liner in is a pain.
So... is it sacrilegious to carry a packable waterproof wind breaker like a Columbia product that I can get at the local Academy or Cabelas? Seems to be a good solution and simple to use plus it packs super small. Also I could use it when it gets late on me while riding and the temperature starts to drop before I get home. This happened to me last night. I stopped at a store and purchased a sweat shirt just to get home.
I'd appreciate any advise.