You will get 100 different answers on rain gear. Here's mine. if it's raining on the way into work, I don't ride. (If it rained earlier & the ground is wet, the fenders really help-although you might still get some grime on your shoes/ lower legs). If it looks like rain later in the day, it depends on the chances, anything under 50% chance of rain at 5 pm (when I leave) I will ride, but I will bring a light waterproof winderbreaker (goretex or event). If it looks like 70% chance of rain, I'll just drive. the windbreaker keeps my comfortable enough for the ride home. I don't worry about my legs, etc as it's tough to keep them dry, even with rain pants (then you're just sweaty wet). A rain cape is supposed to work well, but I just can't bring myself to wear one.