I live in Wisconsin. I bought the coat prior to a trip that included Chicago, Minneapolis, and Amsterdam. One coat had to handle all three places. This one was absolutely perfect!  Chicago was cold, Amsterdam was cool and overcast, with rain thrown into the mix on our last day, and Minneapolis was downright frigid meaning never above zero and as low as 19 below. I was comfortable in all three places, as well as at home since I returned.  Another advantage is that the coat stuffed easily into the overhead compartment on the airplane without taking up much space.  A nice feature is that it has a zipper pocket on the left chest that fits my iPhone 8 Plus. I am particularly pleased because I returned two or three disappointing coats before I finally got this one. It was definitely worth waiting for.