I think Eden described the function aspect of wearing these items...I can attest to their convenience, being an Oregon rider, in the sense that you can layer and then de-layer. On days that forecast rain, I'll wear or roll up a waterproof jacket and stuff it in my back jersey pocket. I love having fenders on both wheels for minimum water spray-age too. But one piece of advice is to start your rides dressed to feel cooler, since your core temp will likely warm up after 20 minutes or less of brisk pedaling. Have you looked into shoe covers? Those really help keep your feet and toes warm, which can have a great affect on your overall mood during a ride. Unfortunately, they don't do much for keeping you dry, but there is nothing you can do about that unless somebody comes out with tights that come with built-in booties for full coverage...That would be interesting...