Fenders. SKS P45 or P50 fenders. P50 will accommodate most any tire size, but P45 will work for 700x35 tires. With fenders, it doesn't matter so much what sort of headset you have, the headset isn't going to see a lot of mud or grit. Cane Creek S-3 headsets work pretty well. Use the money that you save to get bags that keep your stuff dry and lights that allow you to see and be seen in dark, rainy weather.
I like bling just as well as the next guy, but the less bling you have on your commuter bike, the less likely that somebody is going to try to swipe it. You're the only person who needs to know how special your bike is.