I definitely have. Seen snow, sleet, hail, and rain all within a few hours coming off a peak. All I had was windshirt and a softshell and once they wetted out I was pretty miserable for several hours after dark. If I'd had any shelter I would have been able to wait out the storm but I didn't so had to keep moving non-stop to maintain warmth. Not something I would recommend trying yourself.
So when I got home I immediately bought an Arc'Teryx GTX Pro-shell I found at a smoking price.
Recently I got a chance to test it out again in similar conditions, a night hike out of a heavy rain in sub 40F weather (I live in AZ and somehow manage to only go out on 6 days a year that it rains and is cold?!). Having the hardshell (and good soft shell pants) made a world of difference. I was comfortably warm and had energy to focus on other issues, like navigating our poorly marked trails in canyon country in the dark ;)
So as others say, a good shell is key and having a tarp to set up as an emergency shelter is key.

