What do you carry on you in person and how?
Do you dress in layers? Skip the coat?
What supplies do you make sure you have in the car to keep you going?
One thing I have always done is to carry my debit card and license in a badge holder on a lanyard around my neck. And I'll usually keep it tucked under some clothing unless getting ready to check out.
Just have to FIND one for this year! We had a house fire last Christmas and lost most of the contents of our house - didn't even THINK of needing a lanyard, etc. for BF until just now. YIPE! The ones I had were saved from corporate events I went to years ago...