I live in Portland, and riding in the rain is unavoidable. My commute is about 10 miles each way, and I really like the helly hansen freeze long johns (polypro inside/merino outside) topped with a wool sweater and finally a waterproof shell. I have gloves that are somewhat waterproof, and love my swrve knickers with the fleece insides. Rainpants suck a bit, and I can't seem to find a pair small enough to fit, but the knickers are water resistant and allow me to move comfortably. Oh...long wool socks rock!