Luckily, nothing more came of weather than a thorough soaking, and though it didn't effect me in the water, my bag was drenched (there is nowhere to lock your belongings early in the morning or during an evening swim, so it's safest, if wettest, by the pool).
There is one thing I'm going to have to get used to, or to mitigate against. I discovered last week that I chaff under the arms if I swim for more than an hour or so. Vaseline works a treat if put on in huge dollops, but there is a huge drawback - it clogs into great clumps within my armpit hair. It's hideous, and is a nightmare to get out. So, I either shrug and ignore it, or I have to decide, at the age of 45, to shave under my arms.
The jury is out on that one right now.