or when its really windy and near freezing
basically theres 2 ways to get wet … from the inside and the outside …
its always a balance between the two
when one starts moving one shouldnt wear too much under the shell as youll just end up sweating anyways if yr moving hard
however sooner or latter youll get quite damp from either internal moisture or water ingress … and in constant non stop rain sooner or later one or the other will get you
once you get soaked all that bull about keeping everything dry goes out the window
at that point because water conducts away your body heat several times faster than air … ive had folks under a rain shell with their base layers who got quite cold even when moving
thats when you want the fleece … as with the thinnest base layers the fleece with raise yr body temps and the thinnest base layers will start drying off with enough movement
whether you put keep on yr rain jacket or not at that point is a matter of how warm you feel
one doesnt want to OVERHEAT though …
alternatively one can just wear the thermal pro hiloft and not use a rain shell …. unless its very cold and windy the body heat will generally push the moisture out …
however this may not work for everyone … as i indicated earlier women may need to wear their fleece under their rain shell much more often as they generally feel colder
however you should never take the word of someone on an intrawebz forums about it …
the ONLY way to get beyond BPL “theorizing” is to go out and walk in the heaviest coldest rain you can find, even if its just around town … any rain storm is a gear and technique testing opportunity, the worst the conditions the better
one will eventually find out what does and doesnt work for em
;)