Una - we live where can get serious cold too (I know you win, but we get COLD, anyway. . .) and I plan on this being fall and spring. It has no insulation, just lining.
I also realize that the outfit has to handle a leopard coat (i.e. plain bottom half and no wild sleeves sticking out), but I have other mid-season coats for those occasions and I bet you do too.
I appreciate its longer length for covering the tunic top, or the longer sweater, or even a blazer hem. I LOVE its length over a black pencil skirt - so retro, glam
I wouldn't want to wear it every day, I want to wear it a couple times a week and feel extra fab and I DO want to perk up my coat wardrobe -- 'cuz we sure have to wear them a lot :-\