I am exactly the opposite, lol. The only time I will refuse to go out when it rains is if I have JUST had my hair done with a treatment that requires to keep it dry. But I only do those once every 6 months or so, so not often enough.
And forget umbrellas, they are a hassle to carry around! However, I do like going out for a walk when it is storming and come home soaking wet to curl up in a towel and drink something hot. :3 So of course, going out when it is raining is not really a disadvantage in my eyes.