The only real benefit of a waterproof phone, is not having to worry about it breaking if you ever drop it into water.Rain wouldn"t really affect a waterproof phone any less than a normal one. Those random splashes will however all be registered as b.u.t.ton presses and make it really hard to use.
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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.