Even in mid-Winter, I usually have my coat open if I’m moving around. If it’s so cold I have to be all zipped up, I figger the average jackass that might be a problem is hunkered down, not on the prowl.
In the woods, I can wear my tanker rig, unless ice and snow might freeze up my gun. In that case, the tanker rig is more accessible inside my coat than a belt rig.
