I do 90% of my wheeling in breathable waist high waders and a Helly Hansen jacket. Over the years I’ve come to love waist high waders, pouring rain, checking water depths and walking mud holes first, stay completely dry compared to rain paints and boots and comfortable to drive in.
On a boat or in a rzr, rain gear is something I won't skimp out on. I don't mind wet, but cold and wet is another story. Getting caught in a monsoon in the WV mountains 60 miles away from the cabin sucks ass.. Full bass pro shops bibs and jacket for me. Expensive, yes, but sooo worth it..
I had the Frog Toggs classic suit. It feels like your wearing a paper grocery bag until they get broken in. Stood too close to a campfire once, once. Didnt burst into flames and I never knew it but the next morning I discovered a large burnt hole in the back. It probably would have happened to any light weight rain jacket too.
Sometimes we try to drive through them mud holes that are just a little to deep and get stuck, I know youve all been there. Riding buddies laugh and say " throw me the winch line". In the summer its no problem but in the winter I think its best to have waders. Im looking into the Finntrail with separate wading boots.