[Homeslice]

Are you talking about riding to school? Or just walking?

If it's just walking, forget about it man. I went to school in Michigan, and I only wore waist-length jackets. If I had been smart enough to wear a pea coat instead, it would have been better.....but I didn't. That's proof you don't need anything more.

It's your chest and head that need protection the most, not your limbs.

I suppose you could buy a couple pairs of flannel-lined jeans, but I can guarantee they'd be hotter than long underwear.