Well, Peacechick, even my super frugal paternal grandmother thought a woman needed two winter coats when she and my grandfather were introduced to Canadian winters--one for everyday and one for "good". This was a woman whose entire wardrobe consisted of three dresses (two everyday, one "good"), one skirt, a cardigan, and two pairs of shoes (again, one everyday and one for "good"--"good" implying that a woman needs to look presentable when representing her family in public, I'm thinking). No boots because she wore those ugly rubber "overshoes" over her shoes in winter; how she was able to remain upright on those slippery things, I'll never know!
Oh, and that skirt was a birthday present from my seamstress Mom; its presence in her closet always led to her tsk-tsking about being so extravagant. But she never waivered about needing those two winter coats!