I'm not car free, but we just have one and my wife uses it, so I don't have much choice. Luckily (or not), it's not much of an issue where I live in CA. I bought a rain jacket, rain pants, and waterproof messenger bag for when it does rain. I use the bag and jacket all the time but only carry the pants when rain is in the forecast.

But if I happen to not have to ride in it then I usually don't. My wife works close to my office and a couple days ago was headed home about the time I'd be leaving. I opted to hitch a ride with her instead of riding in it.