When I get caught in rain without an umbrella, I am definitely not singin'. And if I am singing, it's usually something like "Shit, it's-a-raining" in a sing-songy voice.
If you're like me, then this umbrella best conveys your sentiments:
The Shit It's Raining umbrella. Okay, so maybe I'd always sing in the rain if I had this.
[$36, Raindrops]
[Via Fashionably Geek]
Related: Sightseein' in the Rain