I viewed a partial eclipse in 2017 in Columbus, Ohio, through heavy clouds and whatever random communal eclipse-viewing glasses that someone handed me.
It was weird and spectacular, and absolutely worth spending some time (in a tightly time-tracked job) to go outside and have a good long look at: There was absolutely a crescent-shaped sun visible behind those clouds, and that is a thing that I will never forget.
I don't think it was a ruined experience at all, though I certainly hope that this next eclipse is a lot better for whatever viewing-point I decide to choose and I understand that a cloudless sky is ideal.