I wear full leathers, everytime I ride. Last accident in January they protected me nicely, thank you very much, and I was stationary at the time when I was twatted off by the car. Abrasion marks on the leather showed where the bone damage/removal would have been if I was in trainers, baggies etc....
Waterproofs are depending on temperature conditions:
1. Mild weather down to 0 Celsius is a one-piece oversuit
2. Chilly weather below 0 Celsius is my Baleno (cf Rukka) over jacket and £10 unlined waterproof over trews. Oh and course my finest thermals.
Having said that, this Friday for Hackbridge is mooted (as per metcheck.com) to be at -9 when I am on my way home at 6pm... Maybe I will work from home.