I agree with OM-look for something used. I used a SD Flashlight (pre clip model) in New Zealand, which has weather like Northern Cal and it worked fine. I bet you could find a used one for around $100 on Craigslist or eBay if you are patient.

A solo tent or bivy in bad weather is going to be a miserable experience IMHO.
Don't get me started, you know how I get.