Impressive commute. I had one like that for a month last summer. That far in rain and I would get the best **** raingear I could afford. Even so and with fenders one can still get damp/wet. In the words of Lon Haldeman, an early ultrarider, "It is better to be wet and warm than wet and cold." Decide how much comfort you can afford. Our club was briefly offered a discount on the Showerspass line of gear last year.