A customer recently wrote in to share his recent blog post. See this link for the whole post, including great photos.
Wife Dearest has a strong aversion to cold air and anything cold falling from it. Her raincoats got longer and longer, and her wellies got taller and taller, but she would still arrive with the elements having found their way through her coat and breaching the boot-tops. Reaching her office/appointments/parties/meetings feeling disheveled, soaked, and having all prior preparations ruined can now be avoided.
When the weather reaches a level which provides genuine and substantial threat to her put-togetherness, in addition to her raincoat, and over her existing dress or skirt, she puts on a rain skirt.