She's a Wheaten, right? The English coated dogs really do get saturated to the skin if they go out in heavy rain, it's a single coat and hair, not fur. For some reason (probably to do with breeding away from the Irish type) the English coat doesn't seem to produce enough oil for waterproofing and leans towards frizzy/coarse if not properly looked after. The Irish coat on the other hand is great, oily, curly ringlets that keep all manner of mud and weather out - which is of course how it should be, given that they were originally working farm dogs that would have lived outside. The English show-type dogs we have these days wouldn't have lasted two minutes. I always said I'd for for an Irish coat if I ever had another.
I feel your pain. I used to have to comb her whole coat out when/if she got wet. She used to refuse point-blank to go out if it was raining and in later life, more often than not, I let her have her way and if it was raining more than a drizzle she just didn't go for a walk. She was far happier staying at home being a princess, while I walked the other two.
If your girl is happy to go out, I'd advise a shorter trim for winter months to minimise the length of time it takes to comb it out. I would also invest in a dematting tool, as there will be times you'll need one, say if she gets wet and then has a long car journey home.
Mine always hated grooming - right from the get-go. We reached a point where she tolerated it, but she always found a way to let me know how thoroughly disgusted she was with me for doing it. 
When she was elderly I trimmed her really short and she ended up looking more like a little lamb than a Wheaten terrier, but she was much happier.