I honestly don’t see the big deal about getting your clothing wet. So it takes 20 minutes to dry completely. I honestly rather not carry an extra coat or an umbrella with me, if all it takes is 20 minutes for my cloths to dry.
Heck, I don’t even have to dry them. I sit, do my work, they dry without me doing anything.
Same with my hair, it dries also.
OK, so if I was into my hair style or I had expensive clothing that can get ruined in the rain, I would wear a coat. But otherwise, I see no point.
I don’t mind feeling the rain fall on me. On a hot summer day, it feels nice.