Either wear alot of layers, as in thermals, long sleeve shirt, sweater, maybe a vest then coat. Or you can maybe skip the vest get a REAL WINTER COAT! I don't believe they sell them in FL, but you can go online. I advise against leather!!! Not only cause I'm vegan , but back when I wasn't, I made the mistake of wearing a leather jacket it's not even warm enough for 40's!!! It just gets COLD! Like sitting on a leather couch in a room with mega ac! And I advise against down too. Again ,not just cause I'm vegan , but I had a down coat in NY found the nice plush winter coat I bought as my next coat to be MUCH warmer! It had a lined hood. Ahhh nice cozy! But yeah, just thermals, sweaters and or fleece, scarf, gloves, hat or hood, earmuffs waterproof boots. Obviously this isn't for 40's! Although I break out my thermals down here crank my electric blanket when its 40's! But this is for 20's on down. Which I can pretty well assume you'll get a hell of a lot of in ND! Good luck!Been reading