No, I never have carried one on tour and never really wished for one due to rain. For sudden torrential showers I have typically been able to find some shelter and most of the time it isn't all that cold when/where I tour. The very few times that I might use one much are not enough to justify carrying one all the time.

My normal solution is to have wind proof outer clothing to keep the wind chill in check when I am wet. That has been generally sufficient.

Note that I said that I, "never really wished for one due to rain". I have wished for easily accessible shade at times in the desert. I can remember times when in the blazing sun in 110+ heat when I would have paid a lot for a silver umbrella during breaks.

I am not sure if I will ever take one along, but so far I haven't. If I ever do, it is probably more likely to be on a backpacking trip than a bike tour.