@Fyrius, I don’t think the problem is getting a little wet so much as the problem of having no dry clothes.
I was editing a book for a man from India and came to a section that went on about the threat of an oncoming rainstorm and how everyone dreaded being out in it, and I asked that same question (what’s the big problem?). He said that the problem was that it could take as much as three days for the garments to dry and that the people in the village probably had only one garment apiece.
Whether it’s a sari or dhoti and kurta or a woollen kilt, once it’s soaked, it’s soaked. I remember reading that the shortness of the small kilt, or philabeg, came about to keep its hem above the height of the highland grass so it wouldn’t get wet because it would take so long to dry. I don’t know if that’s just folklore or not, but 4 or 5 yards of water-saturated wool would be pretty cold and unpleasant to wear, not to mention pretty heavy.