Pack fabric is rarely the weak point. REI's guide to hiking in the rain explains that while many packs are made of waterproof material, their seams aren't sealed, and every top lid and open stash pocket that makes gear easy to reach also lets rain in.
On the trail that adds up to three kinds of water: rain finding the seams and pockets, sweat soaking the back panel and hip-belt pockets where phones usually ride, and stream crossings or a slip at the bank. The first is a liner problem. The other two are about where your phone lives.
REI's advice is to add layers rather than trust one: even with a pack cover or liner, use dry bags for your most vulnerable gear. Its Ten Essentials list makes the same point for fire, recommending stormproof matches that usually come in a waterproof container.