Some of you know that I just recently bought one of the last two plum belted Ergo totes that were left. I LOVE this bag. I pretty much got it to carry to work. Tuesday will be my first official day out with her, but it's supposed to rain the rest of the week (go figure). Since she's open top, how do you girls protect the insides of your bag if you MUST carry it during rain? I was thinking of just putting my iPod and cell phone into the inside zip pocket behind my wristlet so it doesn't get wet. I'll have an umbrella with me and will keep the top as closed as I can. Do you ladies maybe suggest a towel draped over the top to protect some of the valuables?