Winter jacket? In Vancouver I don't even have one. I do wear a wind breaker just so I have some extra pockets at work, sometimes.
Oh, about car windows rolled down. I stopped putting my convertible top down in the winter, because the plastic rear window got too hard and brittle, and broke. Looking at selling that one, and buy a newer model with a glass rear window instead.

My wife from the Philippines, still has me turn the AC on once in a while during our winter.