I live at 53 degrees latitude, where the effect of being caught out in the rain and getting wet is always to become uncomfortably cold.
However, I would expect this to depend on the ambient temperature. Looking at videos of heavy showers of rain in the tropics, my intuition says being caught out in them would result in severe chill, but that intuition was trained at high latitude, and might not be at all accurate in the tropics.
How high does the ambient temperature need to get before being caught out in the rain (wearing just a T-shirt, not a waterproof jacket or suchlike) stops being hazardous or unpleasant, and becomes neutral or welcome? Is such a temperature often encountered in the tropics?