Until a couple of years ago I commuted year round, and though I had my bike gear on, I would usually wear a day-glow workwear jacket on top.
Partly because they we’re excellent Wind-Stoppers, hence even in winter I rarely wore anything other than a T-shirt under my bike jacket.
Also because of the reaction from dozy drivers, it made a massive difference, they would see me easier and take a longer look fearing I was the plod, especially when the jacket was new.
They were 100% waterproof, usually for at least six months if not longer.
And also they were cheap (especially if like me, they were company issue).
Something like this..
https://www.arco.co.uk/products/1870700I still use or carry them theses days, the leggings too. Very useful. ????