Where I live we have two seasons: rainy and dry. When I leave my apartment my camera is always over my shoulder. In the rainy season I carry an umbrella.
If it's a light shower I pull my shirt-tail over the camera, put up my umbrella up, and keep walking. If I have to walk in a hard rain, I slip the camera into my daypack. I have yet to see a picture I was so desperate to get that I'd stand in a downpour to take the shot. I can normally step into a doorway.
Both of my DSLRs have gotten rain on them. I wipe them off and go about my business.