I carry in a Serpa under my jacket in the winter. I normally am unzipped so access isn’t an issue. If the weather is so bad I need to zip up my jacket I’m less concerned about encountering nefarious intentioned characters.
Often I have a sweater or a fleece vest covering my carry piece. It seems to be a good option and allows me easy access.
I have to go with Mart. It has to be below 0* with wind for me to use much more than a Carhartt Sweat shirt and maybe a vest so I'll have my OWB holster on with what ever I'm carrying that day. I've spent several hours in -40* up in Barrow taking inventory and didn't even think about a gun. No many bad characters out in that.
