My initial thought was something involving "unable to bargain with the rain", but I couldn't make it work past the visual aspect of the shared last few letters. Maybe "You'd have been at your wet's end in this wet weather"? Or "You'd have been unable to weather this rain"? I dunno, neither really seems better to me than what you came up with.
Yeah, getting those two words with the same part is the killer. The "rain would rain on your parade" doesn't work well, "this downpour would really get you down" is okay but it feels... insufficient as a pun somehow.
And there's the rivalry surfacing...I also forgot my umbrella.MOODForgetting your umbrella like that - you really cause no end of problems, don't you?You can just go ahead and use this umbrella, Trainer!Really?Fufufu...But to lend me your one and only umbrella - you're really just so kind, Rudolf...I'll do the umbrella-sharing dealie with president, see!But there's not a drop of rain on you...I guess as the student council president, to not lend me your umbrella would cause some umbrage, wouldn't it?Fufu!
It certainly would.If you didn't just happen to pass by,So you do have one, then...And she's in a good mood for some reason, too...Your damp clothes would have put a damper on your whole day!