Like some others here, I have a cheap set of Performance shell pants that I keep in my bag and pull on if necessary (they roll up to about the size of a baseball.) They were pretty cheap and work as advertised and don't interfere with my riding, even up the long, steep hill at the end of my commute. For up top I just use a North Face waterproof shell that I've had forever. Also rolls up very small, so I keep it in my backpack all the time.