Free: Contests & Raffles.
Check Cabelas, they have some good deals right now in their rain gear. Look at the "Dry Plus" stuff. The MT 050 stuff is better but also more expensive. It is also on sale right now too. Just depends how much you want to spend.
A wet suit and snorkel with camo gear over it!
Wool is good, You will get wet but at least you will be warm. Dont ......I repeat Dont get rivers west. I renamed them rivers wet because you might as well jump in a river you will be just as wet. not only that it takes them two days to dry out. Invest in a good base layer !!!!
I have the MT050 also and had no problems with it but it was a fairly dry year during modern. The pants have been awesome but the coat collects water around the cuffs like all other gore tex products. All in all a good product.