The rain fly is more of a napkin than anything but when you couple the tent with a tarp, you get a pretty nice little bug-free set-up, provided the weather isn't too terrible.
I have to admit, having to rig up a tarp over a tent is a huge pet peeve of mine; for some reason I just can't accept the idea of doing that. I see it all the time in the car accessible camping sites but as far as I'm concerned my tent is there to protect me from
all of the elements. In my mind, if it can't do that then it doesn't belong in my camping gear.