See, I ride in my work/street clothes, so the "cycling gear" thing doesn't apply; but I work in a fairly casual office. On really hot days, I ride in a tank top and put whatever shirt I plan to wear in my bag; this works for rainy days, too. I may start keeping "emergency pants" at my desk when rainy season returns. Fenders are definitely wonderful, though mine are great at delivering what seems to be the entire contents of any puddle I ride through directly into my shoes, alas.