Inspired by the Foof. Assume I'm starting from scratch, which is more versatile? Raincoat with liner or topcoat? Is there another option? - I would layer and add scarves/hats/gloves as needed to stay warm. - For Mid-Atlantic and Northeastern climates. I don't get cold easily, but do get overheated. - I typically dress casually, but want it to be wearable with a suit or sportcoat. The question is whether to prioritize staying dry on the wettest days or being warm on the coldest days. Corollary: The coldest temperature a raincoat with a liner could keep one warm is ____?