In the same compartment or your purse/man-bag, pack a slim, foldable rain poncho or at least a plastic garbage bag with holes for your arms and head. Really, no one cares what you look like at that point!
Bring a small travel umbrella that you bought at home! Please don't waste your money on one of those cheap street vendor types. They won't last you five minutes.
Pack a couple of those plastic bags your daily newspaper arrives in. They are perfect for stowing drippy, wet umbrellas while you warm up indoors with a cuppa.
That's it for today. More tips still to come! Have a most healthy and happy week!