I ride in the rain a fair amount out of necessesity (another Seattleite here). I have fenders on my winter bike (you can get "speed fenders" that attatch with rubber bumpers and are relatively easy to take on and off). My post ride routine is generally to hose off (NOT with pressure - just gently running water) all the grit, take the bike down to the basement and dry it thouroughly - especially the drive train and relube the chain - then all my wet clothes go into the washer..... yup bike comes first, since I know if I get comfy I won't want to go back and dry the bike...
As far as dressing goes - my rides are usually in the wet and cold so I probably dress a little more heavily than you'd want at this time of the year. I usually wear a warm cap under my helmet, tights, water resistant jacket, long fingered gloves, waterproof socks, shoe covers......
back a long time ago when I lived on the east coast I remember riding in the rain without anything special and having it feel nice (when its been 90 out and it starts to rain aaaaaah...)



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