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I moved to the Midwest from the Southeast. I imagined having to buy thick coats with fur hoods like you see on shows about Alaska. Nope...
I wear a long sleeve thermal shirt, a fleece jacket, sometimes a windbreaker, and a thicker down filled coat. I do this in super cold weather if I will be outside for long periods of time.
If I am just going from the house, to the car, to the store, I just wear jeans, thermal, and a coat.