If you're driving around in subzero weather without a coat, gloves, and preferably a few blankets in the car, you're asking for more trouble than I am.
It’s kinda a pain to drive with a big puffy jacket, especially once the cabin gets warm.
I’m often in this position: car is in underground car park that sits above zero (Celsius) when it’s far colder outside, so I hand-carry my jacket and keep the vent off until the engine heats up.
Essential safety equipment while driving in the cold.