You are probably right. Here in Hawai’i people use umbrellas much less than anywhere else I have lived, even though it rains EVERY DAY somewhere on the island. I think it is partly for the reason you suggest, because you don’t get chilled if you get rained on. Also, the rain is often very fine, like a mist, and you don’t get very wet. And when the rain is heavy there’s no point to carrying an umbrella. You need a wetsuit or a fisherman’s mackintosh, and the latter would be too hot. Because it’s usually too hot for a waterproof jacket, to say nothing of shoes, people often wear flip-flops and just get wet.

Hawaii’s weather is locally variable (in that it might easily be raining two blocks away and sunny here), and at the same time so constant overall, I feel badly for the weather reporters, who have to get up in front of the cameras every day and say THE EXACT SAME THING (basically “Mostly sunny with showers in windward and upland areas”).