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I bought an overall with hoodie. Provided complete cover from the rains. Sometimes, an umbrella does not help when the rain is stormy.

This is true. I faced the wrath of the rain yesterday even when i was under an umbrella.

Sure. Some storms are so fierce that you find yourself in a tug of war with them. They want to take or spoil the Umbrella

On such days, its best to stay home or if youre outside, stay under covers.

Thats just true. I just stayed at home yesterday.

Wise decision.