Yes, there are a lot of people like Pax around here, but I am not one! I have a jean jacket for cool summer nights and early fall, and a leather jacket with a thinsulate lining that I could wear through a lot of days in the winter. I am kind of sick of it, it's 20 years old, and not so stylish. Now I tend to wear my packable down or a sweater type, very stylish jacket from BR, instead. I also have a lined trench coat, good for fall and spring, when I am wearing a dress or skirt. Then I have the wool coat and down coat. You are right, most coats do not button all the way down, mostly for ease of movement. I know my J Crew doesn't. It is not that bulky, and neither are the sweaters I wear, so they fit under it. I seriously hate wearing a hat, as my hair does not behave if I have it on for more than a minute. I have fleece headband I wear most of the time, just running into work from the lot, or I wear my very thin 100% wool ski cap if it's really cold. I also have a fleece lined heavy wool alpine looking hat I bought in Lake Placid. I went there to x country ski, twice, and there was no snow! But it was freezing in a way that was not nice, since there was no pretty snow. It has to be below 25 for me to wear this, and I really can't nordic ski in it, or it's too hot.