Hi,

Fenders are underrated in most of the U.S. Try them and you'll probably like them. Shower caps work, but they're kinda prone to bunching up if you move around on the saddle a lot. Wallingford Bike Parts (wallbike.com) sells an inexpensive cover that fits like a glove over the saddles. Nice. I keep one on board, mostly for when the cycle is parked outside. Your butt is the best rain cover.