Rain is fine. Some of my best wedding photos are rainy weddings.
What actually matters: the backup plan exists and everyone knows it. Not "we'll figure it out." A specific call ("ceremony moves under the pavilion if rain at 2pm; tent goes up if confirmed by 11am") that the venue, the planner, the officiant, and you have agreed on in writing.
Photographer gear/tactics for rain:
- Clear umbrellas. Get 4-6 of them in advance, $15 each on Amazon. Hand them out to wedding party. Reads romantic in photos, dry in life.
- A weather-sealed body and lens. Most pros have this; ask yours specifically.
- Towels in your kit for wiping the lens between shots.
- Plastic sheeting or a poncho for kneeling on wet grass for low-angle shots.
What to ask your photographer this week: "If it rains, what does our portrait location look like?" There should be a Plan B (covered patio, lobby, large window). If she shrugs, that's a problem.
The $1,400 tent: I'd only do it if your guest list includes elderly relatives who can't handle being moved or if you're a person who will be miserable if the day doesn't look exactly as planned. The photos work either way.