I had this issue come up in a 3 day LE class I was teaching. I went to a local thrift shop and picked up 4 hoodies, a denim and a leather jacket. I also picked up a large round of beef. On the range I layered the clothes on a single hanger, topping off first with the leather jacket. I placed the round of beef inside the layered clothing.
Using standard duty ammo from one LEO (Speer Gold Dot 124gr 9mm Luger), I had the LEO fire one round at the target at a range of approx. 21 feet. The round penetrated all layers of clothing without a problem and expanded nicely in the round of beef.
I repeated the process, this time swapping the leather jacket with the denim one. I had another LEO fire one round at the target, again standard duty ammo (This time Winchester Ranger T 180gr .40 S&W). The bullet had similar results as with the first test.
I don't see a need to change ammo with the seasons. Find a load that works for you and works well in your firearm, and practice often.
gf