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Rain wouldn't really affect a waterproof phone any less than a normal one. Those random splashes will however all be registered as button presses and make it really hard to use.

Thus you also won't actively try to use a phone whilst swimming since it would be annoying. Using it on a fishing trip (or whilst kayaking/canoeing) would still be just as risky.

The only thing you're going gain from having a waterproof phone, is the ability to take that one really nice underwater photo.

Since most newer smartphones are waterproof, to a certain degree, I wouldn't recommend choosing a phone based on how waterproof it is. It's just not really necessary.