If it's winter & we are getting rain, I have my winter coat & hood. Summer, I just deal with it. Sometimes I will put on my coat & hood so I can keep drier. Don't have an umbrella or actual raincoat.
It's the weather what can you do about it, walk and get wet 😛 I mean haveing an umbrella at times just makes you even wetter when trying to get it open or closed, as a kid walking back home or tow and from school, I get used to walking in the rain.
Being that I live in England, UK and we tend to get rain and then bad wind with it almost all the time using an umbrella is always almost impossible unless you want to fly or have your umbrella turned inside out. Due to this, I tend to head out with a hood up or I just go for it and hope for the best if I need to be out and about when it's raining.
I have a raincoat but don't always use it. One of my favorite jackets is good to a certain point at keeping the rain off me when I got out to retrieve the mail or go into the grocery store or church, so I wear that the most. Umbrellas are too inconvenient.