just get wet, as long as the temp is above 55f you should be warm enough in wet jeans. If you are looking for a minimum equipment approach that's the way to go. That is my approach here in Iowa, it is rare that we get rain and its below 55 outside, if its that cold it usually falls as snow. By the way, if you are riding in the rain, fenders aren't going to keep you dry. They may keep you dry if you are riding on wet pavement, but if water is falling from the sky then the water on the ground should be your last concern.