[jpinkert]

Windows down depends, IMO.

On my only ragtop, I carried extra clothes, hats, and gloves in the trunk for unfortunate passengers. If it was sunny and the top was warm and dry (its not good to lower an ice cold or wet top), the top was down. In fact, snow isn't a big deal either...it mainly blows over the windshield. Also, the rain isn't too bad either as long as you're going to right speed. Too slow and you would get wet. Too fast and the inside of the windshield would start to get misty.

Anyhow, there were a few occasions when I had the windows up in a convertible...and that's when I wanted the top down and was lazy. It can easily happen on a long road trip. At 4 PM in the sun its plenty warm. But at 8 PM after the temp has started to drop, do you really want to pull over and dig around the trunk? Nah -- just roll up the windows and crank the heat.