Here's a quick and sh*tty picture of how I usually run about,took it way in December and got buried on my laptopp. Forgot the scarf and gloves I also wear but sure you get the idea. If it's cold Iroll down my sleeves. I don't find it very comfortable buttoned up fully since combined with a scarf the bloody thing strangles me.
Pic is blurry because my sh*tty sony camera Insists I use the wonderful touchscreen focus option with a borked screen.