Just FYI, the Aroch Hashulchan says clearly based on gemara I quoted earlier about amora who took off jacket at eis tzara so as to appear more pashut, that the minhag yisroel is to daven without a jacket during week, but with a jacket on Shabbos, because we should not focus on tzaros on Shabbos. This is the minhag of a large portion of the klal today.
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