Why Not try a Rain Cape.Its not as bad as it looks.It does`nt sweat like a jacket,even a good jacket.Cape and waterproof spats,just wear more under it if its cold.If you can borrow one,
do try it.Its not supposed to be as good when its windy,try that too! Get one that has the loops for your thumbs and a waist strap.As long as your front light is not covered its good.If you can move the light to a lower point on the bike thats even better,led lights make the pot-holes appear black,and avoidable.