It probably won't be the same rain you're used to. I live in a cold area as well and can't stand to get caught in the rain. Afterwards I'm cold and miserable. But in Florida the rain is so warm and the days so hot that it can be pretty refreshing.
We use umbrella's at Disney and we aren't from New York. Umbrella's aren't stifling and easier to carry.

I wear it with my rain slicker for my volunteer work at our zoo, much of which is outdoors. The rainhat is Gore-tex and really keeps the rain off my face.