Stupid Dilemma

I'm trying to decide if I should buy a heavier coat. A catalog I order form sometimes has all their coats on clearance right now, and there are some nice ones at good prices. The problem is that it is really only cold enough here to require something heavier than my sweatshirt about..15-20 days out of the year. I don't plan to travel north in the winter...well...ever. But when it gets cold here, it is really cold, and it's a damp, biting kind of cold.

Sigh. What a stupid thing to be worrying about.