I havent owned a jacket since I was 15, I am now 18.  And I live in Minnesota, so you know it gets fucking cold.  I layer up on Hoodies and t-shirts every time I go ride.  Usually freeze my ass off.  I would really like to buy a jacket, but cannot afford it.  Paying rent to my mom, paying for my phone bill and everything and making minimum wage.
Just throwin that out there.