I always have my purse with only my one wallet which holds my liscense, cc, debit card, cash and my keys attached to the purse on the inside with a clip. I wear a t-shirt with a light jacket and pair of sweat pants on. (I change into jeans or capris after my first stop) It could be snowing and I still will. My coat is off about 10 min. after I start. I wore flip flops before which is all I ever wear, but wont do that again, some one broke one by stepping on it one year and I had to go around bare footed until my sister found a pair of flip flops for me. LOL that was funny.