Jersey and shorts if it's over 45F. I'd rather have a little water on me than get overheated in any kind of rain gear.

32F-45F is really hard. I'll generally go with a thin wicking layer with a thin waterproof shell over it. Gloves are the hardest - for cold rain (hard rain), I actually put a large pair of rubber gloves over my usual gloves, none of which are sufficiently waterproof on their own.