My commute:
Fender $16
Awesome yellow tinted glasses $20
....
Miniature hairdryer and Paul Mitchel "Quick Slip" styling cream ... PRICELESS!
Oh yeah - got caught in a nice downpour! Nothing like walking out of the house, setting your helmet into a puddle on the picnic table and load up the now wet bike.
hehe, even better is to go through a street that's under construction and ride through what you think are just puddles - and then realize as you lurch forward that it is a deep giant hole just filled with water. I luve my mtb!