We all live with our fair share of regrets. For some, it's picking the wrong major in college, sticking out a rocky relationship, or eating last night's bad sushi. My regret? Waiting until mid-October last season, when it was really cold outside, to look for a new coat. The chill is the only consistent thing about San Francisco weather, and so I assumed that stores were bound to keep an array of key outerwear pieces in stock year round. Wrong!