The CM9 is my first and only so far hand gun, got it in the summer so pocket carry was easiest with light clothing. In the fall and winter I just never bothered to explore other options. I probably will though. The CC vest sounds interesting that rat mentioned.:eagerness:
naw, no insulation. It's thick cloth with a dozen zippered pockets. Also has extra mag holders pockets. Plus the American flag patch on it! The only draw back I've found is the zippers tend to be cheap. I've sent a couple back and they replaced them when the zipper failed. I've had them about 2 years now.
Every once in a while SG will have them for $26.