But this is our 3rd winter with one of these coats, and they're a lifesaver. Slight learning curve when you first get one, but not having to take the coat on and off in the cold is worth it. It's also piece of mind that it won't fall off when driving or if in an accident (kiddo will be warm when waiting for first responders). We live in Chicago and the Toast is warm enough for quick errands and the Toasty is nicer for deep winter. We do have a larger parka coat if we spend more time outdoors.