I have to ride in the rain a LOT during the summer in Florida, as it rains every afternoon. I have fenders on all my bikes. I have a good rainjacket, Rainlegs(AWESOME product), a helmet cover, and waterproof booties. I hate riding in the rain. Well, not the riding as much as the dirty bike I'm stuck with afterwards. Doing an hour commute then having to spend an hour cleaning my bike after work sucks.