Riding in the rain will get you wet. Period. Rain gear will help keep you drier if it's a light rain and you aren't riding hard. If it's pouring, you'll get wet no matter what you wear. If you are riding hard and wearing rain gear, you will get wet from sweat. Fenders will keep you and your bike cleaner but won't keep much drier in the rain. If the roads are wet but it's not raining, fenders will keep you mostly dry. Bottom line, either learn to like (or tolerate) riding in the rain or don't do it.