Good topic for today--it's pouring.
I don't envision going out much, so I'm wearing BB bluchers by Peal with Danite soles. Took a chance and left the Tingleys at home--it's not more than 20 feet from the car to the office door. Generally, I keep Tingleys at the office, but I switched jobs not long ago and haven't gotten around to it.
As for beaters, yes. I have a pair of Florsheim two-tone saddle shoes with godawful corrected grain and rubber outsole inserts. If there's a serious chance of disaster, I'll wear those and don't really give a rip what becomes of them--I think I paid $2 at SA. I also have "spare" (i.e., duplicate) gunboats in black, butterscotch and dark brown. They aren't beaters, I suppose, given that they are old-school, high quality Imperials or equivalent (I think one is Hanover and another Nettleton), but they're tough, certainly able to withstand quick walks across wet parking lots. If it's buckets-full raining or if I'm unprepared and wearing Park Avenues or Waldens or other shoes that aren't quite as rugged as gunboats and I don't have backup pairs, I'll pull on the Tingleys. Rubber overshoes are godsends, but I find them hot (unless it's fairly cold outside) and difficult to stretch over larger shoes like, well, gunboats.