Waterproof jacket and trousers that fits a pannier bag (preferably waterproof also) makes you basically 90% rainproof, especially if the trousers have shoe covers or your shoes are at least a little waterproof. Also, clear glasses avoid raindrops to go into your eyes while riding and allow you to see the road. Like this, only your hands are not covered.
Waterproof jacket and trousers that fits a pannier bag (preferably waterproof also) makes you basically 90% rainproof, especially if the trousers have shoe covers or your shoes are at least a little waterproof. Also, clear glasses avoid raindrops to go into your eyes while riding and allow you to see the road. Like this, only your hands are not covered.
This plus Vessi waterproof shoes. I am an amphibian.