Aside from keeping out the dirt, burrs and hay, the jackets also help preserve the color of the fleeces.
Here you can see the edge of Hokey Pokey’s reverse bikini line.
And this picture just kills me. It makes me think of two hopeless old biddies in some Merchant Ivory film being simultaneously dreadfully mean and dreadfully polite as they sip their tea. The should both be wearing high, lacy collars and peering through lorgnettes.