Yes I bother with rain gear. In my case, it's a light weight yellow poncho I tie around my waist with a cloth tie.

It has saved me from reaching my destination soaking wet.

Of course my cheap poncho won't save me from a heavy driving downpour. If I know that's a comin my way, I just head for cover and wait it out. Once I see the rain lessening, then I head out - in my poncho.

Now if I'm heading into a light drizzle or mist and I'm near home, then I don't bother with the rain gear.