Portland OR commuter. From head to toe, I wear:
- Cycling cap under the helmet. My helmet is about 5 years old so it is time to replace it. I will probably get something without so many vents.
- Old Burley rain jacket, which I love because it is not breathable, it is flat out impermeable. If I need ventilation, it has huge zippered vents.
- Various gloves, ranging from SmartWool to Castelli neoprene. I don't care about my hands getting wet, the gloves are picked based on temperature.
- Castelli rain pants, also impermeable and fairly slim rather than baggy, so they don't get hooked on the chainring.
- Neoprene booties, which unfortunately are not actually impermeable, so they will get replaced with something better when they get more tatty.

I can stand in the shower and stay dry, wearing this stuff.

Good fenders help a lot too.