Almost lost a good 8 iron in a pond that way. It stuck up in the bank just short of the pond.

First thing I bought after my clubs was a good rainsuit. Won an umbrella in a tounament. I also keep on of those waterproof covers that elastics to the top of the bag and keeps water from running down into the bag and wetting the grips. I have found the covers that come with the bags are just not waterproof enough. I keep at least 3 pairs of golf shoes so if I wet two pairs, I can still play the next day while they are drying.

Have fun. Playing in adverse conditions is a blast.