Winter gear recommendations

[Fazerider]

If money’s tight I’d stick with what you currently have and add a waterproof overjacket and trousers. (Rainsuits are something I never got on with, too much of a struggle to get on and off.)
Flexothane is the material I look for, feels thin but is surprisingly tough and usually lasted me 4 or 5 winters-worth of commuting. Sioen is one brand that uses it, there may be others.