ISO320 will give you noise free images, while allowing some leeway in shutter speed and f/stop. The D7000 isn't afraid of too much moisture, but the lenses may not be as weather-proof. Mist isn't a worry, but I don't like water directly dripping on the gear. Also, be aware that running outside into humidity, after being inside with A/C can cause a good deal of condensation. NEVER change lenses if the camera isn't yet acclimatized. Try to do so indoors, then venture out.

Maybe carry a dry, light, small towel. Try to carry the camera under your coat, until shooting.

There are a few tricks with plastic bags and rubber bands...

I would get a rider on your insurance specifically naming the camera and your lenses. That can really help should damage occur.

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