I'm 79 and have never had one. If needing protection I wear a hat or a insulated cap and scarf along with a coat with a large collar. Honestly it has gotten to the point where the winters here in E Texas are so warm, right now it's 74 degrees, so shorts and a polo shirt. Most cooler to moderately cold days I wear a Filson wool vest, long sleeve shirt and a hat. Those vests breathe, but are thick enough to break the wind I do have one of their heavier coats that I have had for a long time but it rarely gets used,