Riding here in the "wet" part of NW Washington State, I have a set of well made over pants and Jacket (First Gear) that I wear at least twice per week. Even during the Spring & cooler summer, I usually wear the over pants with my leather jacket unless it is over say 50 degrees or so.
But I always have a set of the Frogg Toggs with me in my saddle bag. Usually don't need em if caught in typical rain as my leather jacket repels water very well and is warm. HOWEVER, if caught in a down pour since I usually ride through I put the Frogg Toggs jacket over my leather.
To make it a shorter answer, I use my wet gear all the time and carry the F.T.'s if it is too warm for the heavy stuff.
Hope this gives you a decent enough answer.
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2000 Wide Glide. Stage II S&S 510C cams, SE Backing Plate w/K&N filter, Rejetted/Tuned Kehin Carb, V&H Straight Shots with Big City Thunder Monster baffles. Progressive Suspension F&R.