If you don't like putting it inside your clothes, maybe just twist it into a loose bun or a sausage shape you can lay along your neck. You should find a twisting method that sits happily. I have a way I use if my hair is down when I go to the toilet!
I don't wear my hair loose when I am out but from what you say I think you just want a way to lift the last few inches of hair to be under your brolly. As for how others keep their ends dry, most of us here wear our hair up as a matter of course.
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