I have several umbrellas... a small one is always in the car. If it is both raining AND very windy, I don't go out..or get out of the car. I can't remember when I needed to brave such days. Yes, I have wearable rain gear which I used when checking on flooding around the house..now solved.

Old joke: "A man needs several umbrellas... one to leave at work, one to leave at home.... and one to leave on the bus."