Bear in mind that except for two, all the replies so far have been from people in northern areas. Houston is a *lot* warmer and *much* more humid. I"m not sure "ride in a suit" is even possible on nice days in Houston.
I find rain gear is useless over about 50°-55°F. I get wetter inside it from sweating. Over 50, I just ride in my regular cycling gear and get wet.
It's only water, for heaven's sake.
At work I change into in my dry work clothes and dry socks. (Ortleib panniers are absolutely waterproof.) Hang the wet stuff up to dry and usually it's pretty close to dry after six hours.
Fenders are a must, IMHO.
Oh, and either carry a towel or keep one at work. The ones I use are actually hand towels. I keep two in my locker.
+1 - I was mentally composing a response to the OP, but this pretty much sums it up for me.