Whatever works for you!I knew someone would ask...If I think it's going to rain, I take my 72" umbrella along. It's big enough to cover my cart/bag/clubs easily. My bag is a Titleist StaDry waterproof bag so I don't have put a rain cover on it. The smaller 48" one is for me. It's small enough to carry in one hand and it keeps rain/sun off of me. I find it cumbersome to try to keep under the umbrella when it is mounted to the cart. Guys I golf with think I'm nuts but I like to keep myself amused.