One of these days I'm going to try a rain cape. It's like a cycling specific poncho. Looks like it'd be obnoxious in the wind but typically the wind dies down when the rain starts up here.

I hate changing clothes.

Right now I usually just wear a semi-water-resistant weather shell and accept that my shorts will be wet.

Fenders make rain riding a much more pleasant experience. You may be wet but at least it's clean!