I haven't ridden in really cold rainy weather so I can't say in that situation, but I'm fine with mostly getting wet. I will wear a jacket that is at least water resistant and I usually wear MTB shorts in those cases too as the material tends to repel water buildup. I don't bother with my regular sunglasses.

I always keep a spare set of clothes at work, but usually I can fan dry my stuff by the return commute. (I have a small USB fan at my desk.) Stuff newspapers in your shoes to help them dry out.