You can always just duck behind the person in front. Also, keep your feet up against the edge to keep your shoes dry. This. The only time I ever remember getting soaked on Splash Mountain, it was after the big drop and water sloshed into our boat.
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Keep in mind that Guests must be 40 inches or taller to ride, and you WILL get wet. If you don't want to get soaked, request to sit in the back row. If you do want to let Splash Mountain live up to its name and walk off soaking wet, then request to sit in the front row.
Bring a dry stash of clothes or a towel. Some people (aka, ME) have been known to dry off (as if that was even possible) with the hand dryers and paper towels/tissues in the girls room. That was awkward. Think ahead and stash a set of clothes in one of those trusty waterproof zip top bags!
Splash Mountain is known for its famous drop that looks over the Magic Kingdom and Kali River Rapids has it drops and waterfalls that are known to get people soaked. If you were to wear a poncho, these would probably be the two that I would suggest. These rides are more focused on their famous drops and spills.
Aside from the drop, there's nothing scary about Splash Mountain (and even that is over relatively quickly!). The rest of it is fairly calm, although there's a small drop or two - nothing at all severe. The rest finds you floating through some unique and really incredibly rendered settings.
Splash MountainBe prepared that they usually put larger passengers in the back. There's no seat belt, just a log you step down into and sit on a bench. You will get wet, so this ride is a great time to swap out your shoes to sandals, if you haven't already and you brought an extra pair.
Jurassic Parks drop is more intense, and way more scary! Most of the drop is in the dark, so it feels really long. The drop in Splash is like 2 seconds, and is nowhere near as bad as in steepness or height.
If you get caught flashing on Splash Mountain, however, you're in a lot of trouble. Disney could throw the book at you for this one. It's technically public indecency, and with small children around, getting banned from the park might not be your biggest concern.
Toward the end of Splash Mountain there is a 52 foot 45 degree drop which will take your breath away. In fact Disney, always looking to make a little money, snaps your picture right as you start down the “Big Drop”. Most people are screaming when the flash happens.
Sandwich bags and spare plastic bags are also useful to keep your stuff dry – and to separate the wet from dry after the rain. You can change to your flip flops or water shoes when it starts raining, keeping your shoes and socks in your backpack, plastic bag or locker.
The drops on Splash don't give you much of the stomach drop sensation. They are not very steep. That said, the drops will still probably bother you mentally, but it will be well worth it. Splash Mountain is one of the truly special rides in all of WDW that MUST be experienced.