I live in Northern California too.

What do you mean by "Winter", "Rain", and "Wet"?

It doesn't rain that much here at all...At anythime!

Now if you're just looking for an N+1 bike, just say so ...If so, here are my recommendations:

1) The Jamis Coda Elite ~ $1050

2) The Kona Dr. Dew ~ $1050

3) The Kona Dew Deluxe ~ $849 (This golden bike is absolutely gorgeous)

4)The Raleigh Superbe Roadster ~ $1200

5) The Trek 7.5FX ~ $1080

6) The Trek 7.3FX ~ $800

7) The Cannondale Bad Boy 9 ~ $730 at REI

8) The Giant Seek 3 ~ $700

- Slim

PS.

* All of the above models either come with fenders and a racks, or they can be easily fitted with fenders and racks.

- Funny...Right after I posted this comment, it started to rain like cats and dogs!