I'm mostly car-free. If I didn't accept a little rain, I wouldn't get out of the house for about 9 months a year.

I've got a couple of rain jackets. The best is probably the Showers Pass Transit jacket, (although I do have a pocket problem which is going to get it sent back for warranty work).

I've put fenders on and taken them off. Currently fender-free. I would like a rack with some protection, but no rack mounts on my current ride.

Rain pants? I just get whatever cheap pants I can find. They do take a beating.