fenders, big mudflaps, front mudflap especially to keep the road crud off the feet and drivetrain. I ride year round transportationally in Seattle, and for years I've gotten great utility out of Gore "Next2Skin" non-cycling specific windstopper hats as a helmet liner.

warm when wet clothing. the ability to smile while mother nature dumps on you. I remember riding in Florida in the seventies, in warm rain, barefoot and shirtless, coming back from the beach, and loving it.

Living in seattle now, my bikes all get fenders and mudflaps.