Agreed, the 'stiff-upper-lip' method is not for all conditions. In extreme zones all bets are off. If you can't setup an emergency shelter and slip into dry clothes then you definitely need more rain protection!

Putting on the damp clothes in the morning is jolting but also a great hiking motivator- more rousing than any cup of coffee that's for sure! I just stay in my sleep suit until I'm ready to hike

Ultimately it depends on the terrain, climate, and your personal tolerance for wetness. Having some method to stay warm is key, though.

That's a good tip on the body-temp-wet-clothes-bag, OM. I'll have to try that out.