|As a Weapon|
This is a somewhat heavy clothing item made of cotton which covers 95% of your torso and arms, and which has low storage capacity. It is somewhat bulky, encumbers you a bit, and will provide some warmth to the areas it covers.
It offers very low protection against bashing attacks and very low protection against cutting ones (that includes bullets), while offering low protection from environmental hazards .
It can be made to fit the character's body via tailoring or mechanics, will increase warmth for your hands if they are cold and you aren't wielding anything.
This article of clothing will protect you from drizzles, has pockets, and can be fitted.