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I was just trying to make the sentence less weird to Seventh-Monkey by changing the words, even if it does supports your examples.
I would say the first one is more an hypothetical situation in its...

Is it because of the tenses or the verbs themselves?
Is it better this way "I wouldn't have gotten wet if I'd worn my raincoat"?

People often use contractions when speaking and it's fine. But if you had to write a formal letter you would use "...I had had..." instead of '"...I'd had...".