And, Smack, you don't have a dodger either. Imagine the rain hitting you in the face at 50+ knots. I've been out in 40+ knots and the rain HURTS. I have a dodger and I still have a ski mask on my wish list.
When those black-as-night Chesapeake summer storms appear, I crank the diesel and drop the sails, man. Point that bow into the wind and wait for it to pass.