I second this!!!! (from personal experience) I was an idiot and wore jeans on the rapids ride at Six Flags years ago. The pain was unimaginable by the end of the day.
You said the exact same things I was going to say!!!! On our second trip, I had ponchos....they were just back at the house.

So......$30 later we were covered for the day. Expensive mistake that I made (and you know the only day it rained was the day I forgot the ponchos. UGH).
Also....I found out about fraud protection the hard way. On our first trip, I was buying something in EPCOT at the end of the night. My card was declined. Knowing there was $5,000 in the checking account, I said "please run it again". She did. Four more times. Declined every time. So, thank goodness I had cash on me. Bought whatever it was and moved on. We stopped at the 7-11 on 192 on the way home. I checked the balance and, sure enough, there was plenty of $$$ in there. I had to wait until 7am to call the bank because it was well after customer service hours when it all happened. In the morning when I spoke to them, the nice lady said they had turned off my cards becuase they feared fraud. So, she turned the fraud protection off for the Orlando area for the 10 days we were down there.
So...word of advice: call your bank (and any credit card companies you may use) to let them know you are traveling to the Orlando area. You also may want to find out what your charge limit is per day. We use our cards for everything and some banks will actually turn off the card if a number of small purchases are made fearing fraud.