M.P.
I don't have any advice but am wondering about the liner. Microfiber is polyester and doesn't absorb as well as cotton.
My coat is made of microfiber and is water resistant, I think, without any added treatment.
I've used microfiber dust cloths. They attract dust but water beads up on them. My cousin uses them as towels but I don't like to use them because it takes longer to dry my hands.