Okay, I rode in the cold rain this morning. I need to add the following:

• rain pants
• wool socks
• wool base layer
• balaclava
• better gloves

That said, it wasn't too bad. The ride was slow, visibility wasn't great, I was out for about 1:45. I did get damp pretty much everywhere, but only my lower half and face were cold.

Toward the end of the ride, the water had gotten through the leather gloves.