I at times envy you folks ''down South'' - no snow and winter is no big deal but - tell ya what - my carry is a total cinch in late fall, right thru till late spring!
Once I ''graduate'' from summer vest or light shirt - I use an open padded shirt - and know what? - I could conceal a darned cannon.
I like very little about winter and by Xmas even, will be suffering cabin fever but - sure as heck - carry and concealment is not in the worry market!
Not all is bad about winter - up North!