I lived for many years in Canada, as no CCW was available, it made no difference, coat, no coat, gloves, no gloves.
But since moving to Florida? Yes it gets cold in Florida, but sweater cold, not -40 screaming snowstorm cold.
My favorite sweater is a cotton, heavy knit one, the top is a three button closing device, hides the Glock 19 real good, and I can access the pistol in it's OWB holster quite easily. Hot weather an outside the pants hanging shirt, Winter? A sweater.
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