My chain got noisy enough to hear with a helmet on after riding 8 hours in pouring rain one summer. I followed/paced a tropical storm front from Texas all the way across Mississippi. The next day after about a 300 mile run I heard it and lubed it, but the chain was toast by then. Enough rain on a hot chain will wash the lube off. The chain had about 21,000 miles on it and had been lubed regularly.