Just get a raincoat with a good hood on it.

I've never been a big fan of umbrellas. An umbrella uses up one of my two usable hands, I must hold it for the duration of desired protection from rain, and it does nothing to keep the lower 80% of my body dry. Here in the Windy City (tm), there's the added problem of the winds that whip through the steel canyons of downtown, especially in the vicinity of Sears Tower, which pretty much manufactures its own weather patterns. Umbrellas don't do well in such a harsh environment. This picture was taken at the corner of Jackson and Wacker, right next to the Sears Tower. I took the picture and then proceeded smugly, protected from both wind and rain by my Marmot rain jacket. I am less smug now that I see how blurry the photo came out. Stupid CrapCam.