Yay for fenders! They are seldom big enough, I extended mine by bolting some inner-tube flaps on. On the racer with no fender mount I made a wee U shaped channel on the downtube out of a drink bottle and cable ties, it stopped a lot of the muddy water from bouncing off onto the chain and my feet.

I made a washing line up high in the locker room, but stuff didn't dry in winter. If you have to get back into your wet clothes at the end of a cold day Lycra and polyprop are the only thing to wear.

I spent 5 years doing a 30 minute commute flat out in all weather. I acquired a Lycra wardrobe and an ultralight nylon flouro vest with mesh back, two cheap polyprop underwear longsleeve tops for very cold weather, and a big bright Goretex climbing parka for hail and snow or very cold rain.
You can buy much better cycle specific rain gear with armpit vents and less billowage but for riding fast I reckon it will still often be preferable to just get wet rather than sweaty and slowed down by rain gear.

Under the seat I stowed an emergency parka - a light plastic bag that drycleaners put over a suit. Like a garbage bag but much more compact. Cut holes for head & arms. Great in winter when you work crazy late and emerge into a storm.

In hot weather I just wore socks and shorts, and put the vest on for sun protection or after arriving to avoid disturbing public decency.
If I had not worn a full hardshell fluoro yellow helmet I would have been wearing the fluoro vest on the road.
If I didn't like riding half naked I would have worn the fluoro vest and got a nice modern invisible-from-behind helmet.

Often in winter I showered at home before riding to work, if you start clean the sweat just dries and you are fine for the day. Rather than wash bike shorts each day I wore fresh cotton underpants for the ride and took another pair to change into at work, leaving pair 1 to dry in my locker.
Tip: Antiperspirant works just as well for legpits as armpits.