For years have had a Gore Paclite which is a brilliant waterproof. However when I crash I end up tearing it which costs money to get repaired. Not durable for offroad really but has kept me completely dry in some seriously heavy downpours. Was a men’s version so the sleeves were long enough.
You can get these from Wiggle, Evans etc. Could go the softshell route?
As regards the lower half, this winter I bought some Gore Alp waterproof shorts, ladies specific. Very expensive but they have worked. However, as they are Paclite again, not so durable and have managed to tear them whilst climbing over a barbed wire fence!
The other waterproofs I have are the Gore XCR full-length trousers. Again have kept me dry but not convinced on full length.
Finally, one of the girlies from here pointed me in the direction of Army surplus Goretex trousers. Cost something silly like £10 and the camo is so cool 8)