Joseph. You are wrong. The MB does not pasken “one must wear a jacket for davening”. The Rambam lists things that invalidate tefilla. An uncovered head is one of them. He wasnt reffering to a hat. BTW the Rambam didnt own a hat. Neither did the Ben Ish Chai. Rav Saadiah Gaon. They lived in an area where nice silk turbans were the norm. I dont see sefardim coming to shul with turbans. Are they all violating a halacha? Please reread the mishne berura.
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