I didn't own a jacket I bought to wear, etc... Until about 3 years ago. I never wore one of my own will until about 3 years ago.(You know how mothers are! And THAT was when I was in CA! I usually got away with just a windbreaker though. They are just good for keeping the wind and rain off you, and you can practically see through them) I didn't wear them more than a week a year until just THIS year. Why THIS year? Because I was wearing one back to indiana just in case, as it is the easiest way, and I had to walk for like 30 minutes in -16F weather, and then stay in my car in 9F weather for an hour.(The battery was dead and I waited for help with NO radio, heater, etc...) Anyway, I became a but hyper sensitive for a while, and figured I could use a little more protection. This week was a LOT better! Yesterday the low was only like 16F, so I am back to short sleeved shirts and NO jacket! BTW 32F is the freezing point of water.
Steve