I like riding on the rain, a little sweady at the end. I bought my rain gear at Kmart, its red colored, its very important to wear bright colors when riding on rainy days, you wanna be seen at all cost!

About fenders, if you have rain gear no need for fenders, BUT, your gonna have a nasty street fudge line on your back and head.....fenders save you from the dity street.....plus fenders look cool no matter what bike =-)

i saw a nice water resistant messengers bag on: www.sciplus.com under militaria (this website is grea!)