Well, you need the hat if you get the overcoat, and and the blazer alone isn't warm enough for Butte or Bozeman this time of year, so you need the overcoat if you get te blazer (not covered by the company either). I went for the leather jacket becasue the hat+blazer+overcoat was about the same price and I figured I could use the yearly allowance to purchse those items over time if I so desired.