Lightbrite – being out in the rain is not life-threatening for the vast majority of the population! (with the possible exception of people who are very elderly or ill). If it were, I would be dead 1,000 times. I don’t have a car, so I have to walk everywhere or wait at busstops for 15 minutes. It doesn’t bother me.
Even during the week, I almost never use an umbrella since I always lose or break them so I usually don’t bother.
Although once when I was walking in the rain in Lakewood, some avreich driving by had rachmanus on me and threw me an umbrella from his car window. It was really nice of him, but a bit embarrassing!