Its half and half on my mood. If I'm fishing in the rain no. Otherwise I try to get my umbrella. Sometimes when it's obviously a quick shower not a rainy day I don't bother because whatever.
I don't, because my pockets are full enough as is! However, I have never seen anything cuter than Fauna with her little leaf umbrella, and I love seeing all of the other villagers with their own umbrellas too. I think it's so cute how they make the umbrellas that each character uses reflect their personality