Can't help any with the beads, tho it does sound like a good idea! :thumbup: However, I've found that most of the water collected in that crotch area comes off the front of my jacket & runs down from there, eventually making it into the crotch area of my trousers or into a puddle on the seat from there. :gaah:
Until recently, even if I had a good rain jacket on that was pulled down over the top of rain trousers, there hadta be a fairly substantial overlap with a fairly tight lower edge of the jacket, or the wind & turbulence between me'n the windshield would push enough of the water running down the front of the jacket up under the jacket waistband & in due course over the top of the rain trousers waistband before it'd end up running down my front & pooling where it's least appreciated!

pps:
Buuut, my latest rain jacket acquisition has a belt type waist fastener built into the waistband so that once I've got it on & pulled down over the top of the rain trousers waistband, if I cinch the jacket belt thingy up tight, the amount of water that might eventually make its way thru is very much reduced if not completely stopped! Our most recent 'long ryde in the rain' wearing this 'cinched tight jacket' only lasted for about 4 hours, but it was solid rain that saw most other motorcyclists & quite a few car drivers seek shelter and yet I remained dry the entire time.... and what with the Rivco Expanding Rear Rack on the trunk lid acting as a 'whale tail' & stopping the water being sucked up in the turbulence behind the Spyder so that the Missus ryding pillion didn't get any water/mud dumped down the back of her neck, we were both very happy people!

hyea: !
Sure, we haven't done any 18 hour stints ryding in the pouring rain with this latest set up.... yet!!

But hey, it was a pretty solidly wet 4 hours that we stayed dry throughout, and the daughter & S-i-L in their award winning fully restored '63 Beetle Rag Top got a fair bit wetter'n us thru rain soaking thru the Rag Top, so like I said, we're pretty happy! :2thumbs: