First I check the weather radar time lapse for yellow, orange or red blobs before I ride home. Green or light green blobs are okay, I'll just ride through those things in my regular bike clothes. If I estimate wrong and encounter a yellow, orange, or red blob, I've got a few pre selected locations to sit it out. Once it was a bank drive through too. Then I break out my mp3 or emergency paperback book and read for about an hour. Then continue after the yellow, orange, or red blobs go away.