GAT, according to another thread you should buy a puffy to be warm and comfortable while pursuing diverse fish species with a fly rod. As an added benefit you'll look hip and trendy, although they do tend to add a few pounds to the camera.
I vote against hermit. That lifestyle seems to offer less fishing than I'd like.
Here is a photo of Chad in his jacket. You can see by the bleachers in the back that I took this out at Rocky Ford. He wasn't wearing his flat-brimmed hat that day, though. If my memory serves, he made up for the lack of head mounted attitude by spiking every fish he caught like a football, then doing the Icky Shuffle.