it was 5 deg. the other morning, the 30 mph wind even made me put gloves on, w/ a field jacket, thinking a presentation would be a utube sensation. changed over to an old carheart or a lined nylon parka which slides up off the hip easily. usually a vest and heavy shirt person, the jacket is always in the back seat of the suv. cross draw an option. reformed/sew a shoulder holster, slung over the right shoulder w/ a belt loop, hangs perfect under left arm, somewhat like a tanker holster, great for driving.