For the winter rains, I get covered with waterproof stuff.

Well... I have a waterproof snowboard helmet. Nice for the mid 30's to the low 40's, otherwise it is just too HOT My head seems to drench itself anyway, whether or not it is raining

Waterproof biking shoes are NICE. Shimano may concentrate on waterproof SPD style shoes, but other brands including Specialized have essentially the same shoe/boots with both 2 and 3 bolt cleats.