Being Floridian, I ride with mesh gear so the wind passes through. I wear what they call overpants, in my case, Tour master venture Aire. They go on over my street clothes. they're not inexpensive, but having the bike since 2007, I'm only on my third pair, and that includes a pair I tossed after my first crash. I still wear the jacket I bought in 2007 (although I've had another, slightly lighter-weight jacket in the meantime.) I've been through more helmets and gloves than anything else. Anyway, I show up to work, the jacket and pants go in the tail case, helmet and gloves go in a side case, and I change boots for shoes, done. I don't voluntarily ride to work in the rain, but if I'm somewhere and I get caught in the weather, I have waterproof gloves and a Tour Master 2-piece rain suit that are always in a side case. My daily boots are waterproof. I can arrive somewhere dryer than people that walked in from their car. 
As for worry about melting, on that bike you're not gonna get stuck under exhaust pipes like a guy on a cruiser could be. I've never been burned and I have pipes on both sides. My issue is I can't get my foot out from under the bike! It's not something you have time to consciously think about on the way down! Which ever foot is the down side goes for a short grind under the 650-pound motorcycle, usually with mildly distressing results. never broke anything, but left ankle sprained twice, right foot kinda squished side-to-side, which made it turn all purple and stuff. 
As for shoes/boots, you do want ankle protection! Not just the stiffness to keep your ankle aligned when something tries to remove your foot... I've returned boots that I ordered on good recommendation when I found no ankle armor. bank your ankle bone against a door frame with a soccer-kick motion and see how it feels. You want something over that when the bike comes down!
BTW, my bike's in post #8 of this thread, if you haven't seen it. Same bike, same equipment, although I'm needing some seat repair, as the stitching is pulling out.
Last edited: Apr 24, 2019