The weekend I stopped trusting pack fabric was a drizzly one at Flat Laurel Creek: a light rain that never quit, and by the second camp the foot of my sleeping bag was damp. A damp bag at bedtime means a long, cold night.
Pack fabric isn't waterproof, and neither are the seams or the zippers. The fix almost every packing guide agrees on is a liner: a big plastic bag inside the pack, with everything that has to stay dry inside it. Your sleeping bag and your warm layer are the two things you can't afford to get wet.
Most hikers use a trash compactor bag. It's thicker than a kitchen trash bag, which tears on the first sharp corner, and it costs pennies. The Ultrasac bags are 2.5 mil, thicker than the 2 mil Amazon Basics bags, and 25 by 35 inches. Buy unscented: some compactor bags now come with a "fresh" scent, including the Brute bags some guides still recommend, and you don't want your sleeping bag smelling like a laundry aisle.
A liner beats a rain cover. Covers catch wind, and water still runs down your back and into the pack where the cover can't reach. If you want something sturdier than plastic that you buy once, the Osprey liner is a proper roll-top dry bag cut to the shape of a pack.