Holy Smokes!!
Only a Californian (and a Southern Californian, at that) would present 3 bikes as "ready for winter" and not show a single fender among the 3 of them !
I just added fenders to a 3rd bike, so I now have 3 bikes w/fenders, only 1 without. Also in the winter I add "daytime running lights" to my bikes, since it's so gray (cheap little blinkies both front and back to make sure I'm seen in gray fall / winter lighting). And then there's the shoe covers, skullcaps, long-fingered gloves, etc.
You need to go shopping!