Throw a jacket over it while outdoors, remove the jacket when I get indoors. If I'm at the store I'll either hang the jacket over my arm or toss it in the cart. It's a matter of what's practical. If it's cold and rainy, I'm not gonna freeze and soak my ass for the sake of OC. But as soon as I get inside, it's at a comfortable temperature for just a t-shirt, so I remove my jacket.