If you're cold, your hands will shake. If your hands are shaking, you may pull a shot and hit a no-shoot even though you are aiming very deliberately to miss said no-shoot.
The moral of the story: It is better to keep a cover garment that interferes with your draw than to ditch it in cold weather.
If you do ditch it, take the precision shots first so you can get them out of the way before you start shivering.
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Must be 18. Void where prohibited. Not available in all states. Some restrictions apply.