If you live in Montana and like to be outdoors, you need to have a good rain jacket to keep you dry. In the old days that meant heavy rubberized coats and ponchos that trapped so much perspiration from your body that you’d get wet from the inside. A variety of new materials now offer rain protection at a much lighter weight and with fabrics that are breathable, so you’re less likely to sweat yourself wet. I prefer jackets with detachable or storable hoods, since I often use my jacket as a windbreaker, as well. Good raincoats aren’t cheap, but the first time you weather a downpour and avoid hypothermia you’ll be happy you made the investment, or someone invested for you. Sometimes, but not always, the more expensive products use better fabrics. Do your homework. $50 to $400.