I have a semi stupid question...

My EDC includes a large backpack like yours (mine is a Targus Matrix). I carry an umbrella for when it rains because carrying a backpack in an "urban" setting with a waterproof pack cover could be seen as out of the ordinary. My small packable umbrella isn't really sufficient at protecting BOTH me and my HUGE backpack in the rain because it has a relativity small coverage area . I guess what I am asking is how do you guys protect yourself AND your backpack in an urban setting from the rain?

Wouldn't a pack cover be necessary or a large poncho to cover you AND your pack?

This has continuously puzzled me because I want to carry/wear a nice North Face/Columbia/Marmot rain jacket but I still need to protect my backpack in a downpour. I guess I could use a backpacking "waterproof" pack cover but I think that might look a little strange around campus...

I hope my rant is understandable...