@claireluttmer I merged this with the thread on opening/closing and interrupting conversations. There's other dedicated threads for umbrellas too (check the compiled list and use search to find)
As for the Sims having umbrellas, is that or NPCs or active Sims (aka playing rotationally and then they have one when you switch away from them) ? I can't duplicate this on my active Sim.
For the toggle it's best if you create a thread in the feedback forum: https://answers.ea.com/t5/Game-Feedback-Ideas/bd-p/the-sims-4-game-suggestions-en
I have this in my game too. When it's raining, it is hard to do things. I recorded it, but can't attach it here.
