I don’t worry about this shit day in, day out.
I found out 13 years ago it wasn’t a good idea, and ummm, made a choice and that was it.
Can’t say I deliberate over it every day before breakfast, or worry at home time etc. It’s just what we do.
If it is pouring with rain then we need to wear a coat, but otherwise, it’s a short walk to the car and then it either warms up enough on way to first school, or dc are into the warm soon enough.
Dd1’s school journey is over 30 minutes - we’d be roasting before we were even halfway there if we were wearing coats!
Crashes are, of course, more likely when it is cold and icy out, so I’d rather not take the chance, thanks.
When the dc were tiny, I had snowsuits that did up over/around the car seat straps, but they are all old enough to bear being cold for a few minutes - they are going from a perfectly warm house, to a car that will warm up within 5 minutes. No one is going to unduly suffer.