Thanks for the ideas. I think that I am well set up for cold and rain except for the wet hands and feet. I'm going to try fishing gloves for the hands. My wife suggested using elastic bands (as in really big rubber bands) around the cuffs of the rain pants to keep them sealed against the boots. The problem there was not the water coming down from above. It was the water coming up from below since I had to ride through some deep run-off. Since we are in drought conditions, I don't expect that to happen too often.