I had to walk home in the rain once. My car broke down a mile away from my apartment, and this was before cellphones, so I had no way to call home. And so, I just walked home to call the tow truck. I didn't mind it so much because it wasn't pouring, but when I got to my place I was chilled to the bone and I thought I would never be dry ever again. It can be predicted that I got sick from it, and it taught me to always have a raincoat and an umbrella in my car just in case. You can never be too safe.