Depends where she thought she was heading mayhe. I took my coat off before getting in to a taxi in Prague two weekends ago, was snow and -6. Everybody is different.
I still wonder if ir waa him, if LS knew him.
Yes I do see your point , I’d maybe take mine off if going for a long car journey but ‘2 minutes up the road home’ I’m not sure I would after I’d been sitting for ages on a bench in the cold plus it’s only a thin jacket not like a big warm proper winter coat