"Am I some kind of idiot, or do others feel/act the same way?"
I don't think you're an idiot at all, Rick. My experience is that in the Appalachians, in the summertime, it is very rare that I have ever needed true rain protection, especially for my legs. It's generally warm enough that I can simply get wet and dry out later-- either in camp or on the move when it stops raining.
In general, I find that the west coast ranges are more exposed and less humid, so there is a greater chance that even summer rainstorms can be accompanied by colder (and more sustained) winds and colder air temps. Just my experience, and it only applies to the summertime.
Sorry to the OP if we've hijacked your thread a little bit...
As far as rainskirts go, I've never tried one, but it seems like an easy enough thing that you could make out of a trash bag and try out for yourself. IMHO, just give it a whirl and see if you like it. If so, then make a permanent one for yourself... easy as that :)!