I'm another one who doesn't wear a jacket. I've found I prefer layering various shirts. Of course, if it's much under 25F I end up on the treadmill. My feet just get too cold in the VFFs, no matter what socks I wear.

(BTW, just saw that there's a winter VFF out! but it's $150, no one in town is stocking it, and the website was out of stock in my size...)