Bikes are okay, I guess.
Join Date: Jan 2015
Location: Richmond, Virginia
Posts: 6,938
Bikes: Waterford Paramount Touring, Giant CFM-2, Raleigh Sports 3-speeds in M23 & L23, Schwinn Cimarron oddball build, Marin Palisades Trail dropbar conversion, Nishiki Cresta GT
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A poncho in the rain works but the wind can be problematic. You might like a rain cape but I don't know if those are available these days. I have an old Burley. Air circulation under a poncho or cape works for me.
Fenders will help keep your legs and your bike cleaner and drier than if you did not have them. I once sat in a park in France in the rain and installed a set on my bike so I could continue riding and be less miserable than I was without them. That mattered a lot.