My approach is to have one set of clothes to ride in and another set (that I can also ride in) for off bike wear in the evening when the clothes I wore to ride that day are drying. You need a rain jacket too. In addition I add a pair of off bike shoes, some long trousers and an insulating jacket that are good to wear at night if it's cold or the mosquitoes are biting. Stuff a wool beanie, neck gaiter and some gloves in too and you are good for a wide range of weather.