I do the exact same thing! We usually go in February so the weather can be hit or miss although usually really great. One year it was so freakin cold that we skipped Kali altogether! My lips were so blue there was noooo way I was taking the slightest chance of getting wet. DH and DS tough it out and get wet. DD and I wear the ponchos because I don't like to get my head wet out in public (it's a hair and makeup princess kinda thing). I've seen people snicker at us and I just smile and go with it. I still have a blast with my poncho!
Fantasmic303 - I know exactly where you are coming from. Been there, done that. Loved every second though. We had some serious party people on our boat. By far our funnest ride experience ever and I don't mean favorite, I mean funnest!