It has never happened to me, but when the weather is warm rain does not bother me that much.
Carnival Liberty New Year's Eve 2007
Liberty of the Seas 5/2008+11/2009
Allure 1/16/ 2011
Independence of the Seas 12/29/2013 Top-notch!
I live north of Seattle and we just say "We don't tan, We rust!" If you can't handle rain for a day, better not plan any Alaska cruises from here or Vancouver. No seriously, I am taking my first Caribbean cruise in Jan and I will still bring a light nylon coat if I thought it may be pouring but probably won't wear it in all reality. I think I may just leave it home come to think of it. LONG LIVE TANK TOPS AND SWIM TRUNKS THAT LOOK LIKE BERMUDA SHORTS