Don't be fooled - this coat is VERY warm, VERY functional, and stylish to boot
I've lived in Chicago and I agree, it gets cold...but I live in Minnesota now and the cold here beats the pants off Chicago.
This coat is absolutely functional. The knit cuffs are comfortable and keep drafts out. The outer pockets are lined with fleece and very cozy...I am confused about the previous post, because I myself only have two hands so don't much see the point of having more than two hand pockets...????? The length is just right, especially if you're going to be out walking about. I've worn this coat to hockey games and when I sit down, the part that's not zippered will unfortunately let the chill creep in. I don't consider that a defect, either. The hood is another nice touch, really blocks the draft.