For our trip last week, we had one rainy morning. We had the Disney rain ponchos on and were all in sneakers. DH had an umbrella...DD8 and I didn't bother with our umbrellas. Mid-morning it became a torrential downpour so we got under the overhang by Pirates and considered waiting there to ride it out but then decided to head to Tiki Room. Now DD8 has a fun memory of us walking, not running, through the torrential rain. The ponchos kept our upper clothes dry but our pants, sneakers and sock were soaked. After Tiki Room, the rain slowed but we stayed in the park and had lunch at LTT with squishy shoes and soaked pants.
After lunch, we headed back to our room to change and put on dry sneakers....we always bring two pairs of sneakers each for just such an occasion.