I've always had a hard time because I get hot super fast in most rain gear. I have a nice Pearl Izumi jacket that I use (one of those nasty safety ones that turns into a vest) for my upper and unless it's super cold and rainy (as in rain/sleet) I use my normal bike shorts. If it's just cold I have some old REI brand fleece sweats that taper nicely and a pair of convertible glove/mittens that use.