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I just added the groundsheet poncho to the poll :)
I own the pack cover, which was a pretty penny. I regret buying it and wish I had put the money towards the ZPacks grooundcloth poncho which covers your pack. That paired with an umbrella is one of the most breathable rain setups.
These links give some insight:
http://www.keithfoskett.com/pros-cons-using-umbrella-hiking/
http://www.williswall.com/willis-wall-blog/2012/6/20/flexibility-in-rain-gear.html