Yep, as stated the biggest problem is water on the lens.
I keep a tea-towel sized soft hand towel in a glad bag and only get it out when I really need a dry cloth.
I keep the camera pointed down, with the hood on. I should use the lens cap, but on more than one occasion I have gone to remove the lens cap with wet fingers, only to discover it is already in my pocket - out with the towel again.
The lens I use most is the
Nikon 24-70 and it has a monster hood on it which helps.
As
Bjorn says about this lens
there are improved sealings and a rubber gasket to the rear to alleviate ingress of dirt and moisture. It uses a huge scalloped (petal-formed) lens shade
I always have a clear filter on my lens.
The Nikon D200 is weather sealed, I have had it pretty wet and never had problems.
The photo in the
Franklin River topic that I took in misty rain was done while sitting on a rock, tripod was at a low height, about the height of my tripod pic in
this post.
And I had the japara with hood pulled up high so the hood was helping cover the camera.
I don't deliberately put my camera in the rain, I try and shelter it where possible, but I'm not pedantic about it.
It's worth taking some time and cleaning your gear properly after an outing in weather.
Pet hate at the moment is struggling with the tripod if the hands are cold. First day of winter tomorrow...
I haven't found a glove I'm happy using the camera with, so my hands suffer the cold when I'm shooting. The price I pay.