So after the recent talk of rain with the "trail" things on the skin in the forum with the GREAT art by Pirata. i thought i would give it a quick try. The actual trail things prove very difficult to achieve, especially just trying to use a texture to fake it. I think the real solution would be to have particle collision on the skin and use dynamic paint to paint as the drops hit the skin and turn drip on so that it drips down and paints as it goes, once baked this texture would be used for the gloss factor.
But for this i just used 2 particle systems, one for the rain around the person, and one set as hair, but in the hair settings i changed it to object, this creates the droplets that actually sit on the skin..
over all its not too bad, i think if one had to really sit and play with it one could get realistic results.