I'll second ZZ's comments. I have a relatively lightweight Gill jacket and pants that I got at the boat show for cheap. They were "last year's" colors, but I don't care. They keep me dry without too much additional warmth in the summer.
In the winter, I add a Musto windstopper jacket. Most of the time, I wear it with a sweatshirt underneath and skip the outer jacket since I'm not usually out if it's cold and raining. I have ocassionally worn the sweatshirt and the windstopper and the outer jacket, but then I worry what I'd do if I went overboard. Frankly, if it's that cold and wet, I'll stay home.