This fellow was totally focused on fish and didn't seem too concerned about me being there with a camera so I was able to get some nice close pictures. He even came over and gave me the "got more" look after he was done!
Been quite wet over here on the Coast last few days and this poor fellow was just saturated. Come to think of it the camera and I were pretty wet after about 20 minutes of picture taking too.
I've never worried much about being out in the rain with my D50 or D90 and lenses and have gotten my gear quiet wet a number of times over the years, "knock on wood" I've never had any problems as a result of it. Have to hand it to Nikon for building a very usable product! Can't let a bit of rain hold you back!