mine wear coats a lot in the winter. My boyz wear coats inside as it is often chilly inside. Of course my boyz are almost 14 and 15; I don't worry as much about Z who will be 5 next month. The real problem here is the wind. It can be bitterly cold when that wind blows. So I make sure to get them a coat that blocks the wind. Regular fleece feels like nothing out here. I don't do boots, but sometimes I wonder if I should. the B's are pathetic rotating which foot is held up not touching the cold snowpacked ground. I also increase food on cold days.
Having said all that, right now it is sunny and in the mid 60s and feels great! I even have a window open. Of course a few years ago when my parents visited, we had a blizzard for Thanksgiving.