Best $25 bucks I ever spent is on a TUFFBAK XL parka that fits over my riding gear. Waterproof and windproof, it packs down to a 6"x6"x1" square that fits comfortably in the storage space of my seat hump. Kept me completely dry in pouring rain this morning and doesn't flap. The hood goes into a zip pouch in the collar which then rests up against the back of your helmet and stops water going down your neck. It is thin flexible PVC.
You can get them from farm supply stores like RD1 and Kienzley Agvet.
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