I spend alot of time outside both on and off the clock. I have a carhartt arctic extreme coat that I really like. On top of being very warm, and mostly wind and water proof, it has a 2 way zipper on the front. I can unzip it from the bottom up part way and this gives me the ability to pull up on the bottom of the coat to clear a holster the same way you would with an untucked shirt. Its obviously not as fast or easy to draw from under as a baggy shirt, but it is possible and you don't have to sacrifice being warm.
I'm sure there are lots of coats that feature the 2 way zipper, and you could probably add one to a coat you already have as well.
Edited to add, this works alot better with a short barrel like my M&P9C than my 5" 1911. The longer barrel means you have to get everything alot higher above your belt.
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Fix it right the first time...
Use Baling Wire !
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