frankg813 - your local bike shop should have some MTB fenders for you. they run about $35. I'm very happy with my bike specific rain jacket. for the legs I use EMS gortex pants I got 10 years ago as a gift for hiking in the rain. for the feet I use rubber over boots over my walking shoes. for the helmet I use a cheap hotel type hair cap. for gloves I use whatever I have for the temperature and dry them while at work. ski gloves work great. I also carry extra gloves or leave some at work in case they don't dry in time.