For me it depends where I am and what my plans are. If it's just a quiet day and I have no plans, and I'm walking home, and it rains, I'll continue walking home, whether I have a raincoat or not, even if there is a convenient shelter nearby, the rain won't be a problem, I would rather get home sooner and get changed and continue my day. But, if I'm wearing my best clothes and a have important meetings, I'll find shelter and wait for the rain to stop - if I can't wait, I'll try to buy an umbrella, I'll try to call a taxi, etc. Totally depends on the situation.