I once locked myself out of my car during a pretty brutal rainstorm, while the car was running (I think I was just leaving the movie theater, and just stepped out of the car to grab a parking ticket off the windshield after starting the car).

Took about an hour for a friend to arrive with the spare key -- but I sure felt like an idiot when about 5 minutes after getting locked out, the rain stopped, and my car was running with the wipers going at full speed for another 55 minutes.