Yes!

Nice thing about buying used is you can get a bike that already has fenders that work for it as a package deal when it's from Oregon I need to get some wool undergear (being from New England, I'm used to wool being the two heavy layers you put on outside the rest of your clothing and not what you stick underneath...) but I've got some solid goretex outer gear that has worked well for me. The only challenge I ever really have is losing feeling in my face riding in late January or early February around here...