RE: shorts
I didn't realize you were from the Pacific Northwest or I would have said more. Trevor is right about street marking paint getting slick when it rains. (See this year's Tour de France video footage to see it humble even the greatest pros.) The same goes for manhole covers--metal can get treacherously slick in the rain, too.
Burley.com is from your part of the country. I've been told that they make good rain jackets, since they ride in a lot of rain there. You might also want to check out Castelli's Teseo Jacket (Castelli-US.com, available from ColoradoCyclist.com). If it's temperate or you spend much of your ride time wearing your rain jacket, avoid the clear plastic rain jackets. You'll want a jacket that is breathable, so you don't overheat. Also look for something reflective, to make you more visible on overcast days.
There are a lot of things to consider when selecting your shorts. Manufacturers have different chamois pads at different price points within their lines, and they may change chamois style/materials from year to year. My husband likes his new Pearl Izumi 3D chamois better than the best chamois from last year's Pearl shorts (PearlIzumi.com).
Fabric content is important. I notice that although our upper end Pearl Izumi shorts wick sweat well,* they also get see-through in the behind area quicker. I really like the supplex in my shorts from Boure.com (Durango, Colorado), although I suppose they don't wick as well.
*Keeping comfortable in cold weather, by the way, is more about keeping dry than having lots of insulation.
Pearl also used to make a women's short w/a black chamois that I miss. It was great for cross-state camping rides, when I had only 2 shorts & had to wash/air dry them every day; the black color attracted heat when turned inside out to dry. Pseudo-suede that feels like leather can take a long time to dry, if dry time is critical.
I wear mostly 8-panel shorts. I don't think 6-panel is worse; I just haven't found the quality of chamois that I want in 6-panel models. If you have narrow waist/wide hips, you might like 10- or 12-panel shorts. I own 10-panel Cannondale shorts, but I can't tell that they fit my rectangular shape any better than my 8-panel shorts.
I got my Cannondale shorts for their reflectivity. Cannondale.com doesn't have their clothing up on the website right now (I think they ran into some financial trouble when they tried to start making motorcycles & the company got sold), but my local bike shop still gets their 2003 clothes. You can get an idea of what the shorts look like from the jacket at
http://www.cannondale.com/clothing/02/cw/model-F251.html The reflective design on the jacket's shoulders is the same on their top-of-the-line shorts (back hip of each leg).
Since I believe too-much-of-a-good-thing, I figure adding unnecessary-for-me panels only increases the number of seams to irritate my skin. My friend who has done RAAM (Race Across AMerica: coast to coast in something like 9 days) confirms that he, too, has had the most shorts problems where the chamois was sewn to the shorts. So look for smooth stitching and flat seams! For the same reason and because cotton absorbs but doesn't wick sweat, you'll be more comfortable if you leave your underwear at home.
I haven't done any business with TeamEstrogen.com (whose website has an intro to cycling clothes), but they're in Oregon, so your delivery time would be quick. I can tell you that everybody who answers the phones at ColoradoCyclist.com or ExcelSports.com, unlike the order-takers at Nashbar.com or Performance.com, actually rides bikes.
I've never worn shorts by Shebeest.com or Zoic.com, but I'm not aware of any reasons to avoid them. I haven't worn shorts by Terry, either, but I do have a Terry skort that I hate (hot/unbreatable). Sugoi.ca (Canadian) makes a terrific skort, which I wear for Saturday errands. Sugoi also makes a less exepensive short I'd recommend--the Ultimate ($50 MSRP). They're comfortable & stretchy enough to suit those who find Pearl Izumis too compressing. (That compression, by the way, keeps the muscles warmed & improves performance. Read about PowerLycra on Dupont's website, if you want to know more.) My first pair of bike shorts over a decade ago was by Performance, and I did not think much of them. Since then they advertise that they provide clothing to the national team; IF it's the house brand, their quality must be better. It might be just a gimmick, though, because they might be giving them Pearl Izumi, Polo or any other brand.
BEST, however, would be to buy your clothing from that local bike shop you like, to help keep them in business. (Bikes have almost no mark-up, and shops stay in business by selling clothes, accessories and parts for repairs & upgrades.) If your local shop doesn't stock much women's clothing, look at the manufacturers' websites to see what's available, then ask your local shop to order it for you, rather than ordering on-line. (In addition to keeping your local shop's doors open, your community gets a ripple effect for each dollar spent there.) They probably won't charge you for shipping, and they can get most things you want. Also, they might save you from some mis-purchases, because they know what works best in your (their) local conditions. (Esp. valuable with tire selection.)
In short, there are lots of good shorts out there. Just like with buying a bike or shoes, your body will tell you which to buy--or buy again.
Have fun!
juliee