Sounds as though investment in a good rain jacket is in order... not necessarily an expensive one but one that does not leak. Rainy weather produces some of the most reliably good fishing that lasts throughout much of the day for many species. If you can't get out much, choosing the best times or conditions to get out can make up for infrequent trips. Based on my experiences, if I had limited time and wanted to maximize my success by fishing as efficiently as possible, I would fish during the first and last hours of daylight, fish on rainy or misty days, fish an "easy" hatch, and fish in creeks that are just starting to clear off after a spell of high, turbid water. Some might also add night fishing to the list. Additionally, I would not limit myself to a specific gear type, terminal tackle, or bait. I would be opportunistic in my selections.
