I don't own rain gear, and I have ridden in absolute downpours before.
I own a textile armoured jacket and textile armoured pants, and I own waterproof boots. What I find works very well for me, is to spray my riding gear with two coats of Kiwi Camp Dry once or twice a year. Water rolls right off of it like a duck, yet unlike a duck there is no flapping. Inexpensive, and convenient for daily riding as far as not having to carry a separate set of rain gear.
On the scooter, it holds water well enough that I can get a big pool of water collecting in the crotch area, that I can just pour out by standing up.