when someone (usually a girl) allows over growth in the pubic area due to lack of razor or mate. And in few cases a way it keep your under area warm in the winter.
"god Ashley did Ryan dump you? 'cuz you've got one hell of a winter cooter coat going on. I can see it through your jeans..."
"its a good thing im single its cold so im thinking on saving money on razors and growing out my winter cooter coat
*To put on a winter coat*
Emma: It's so cold outside....
Alice: Yeah, Im totally winter coating it