Minimalism is about reduction to the necessary components; I think you could make a good argument that a truly "minimalist" commuter bicycle would include things like fenders. That's just nitpicking though, as I'm sure you actually mean "minimal" or "bare".

Regardless, since I assume you'd also balk at wearing bright yellow plastic pants, you'd be better off wearing something that you can look cool in, and then changing into dry clothes once you arrive at your destination.