Fit
A lining is a bearing surface, not a piece of luxury
The slippery fabric inside a jacket is doing mechanical work: it lets the garment slide over what is beneath it, protects the construction, and governs how the outer cloth hangs.

Four jobs at once
A lining is often treated as a finishing touch, something added to make the inside look tidy. It is closer to a component. It reduces friction, protects the outer cloth and the seams, adds a small amount of insulation, and helps govern the way the garment falls.
Any one of those would justify it. Together they explain why removing a lining changes a garment far more than the weight of the fabric suggests, and why an unlined jacket has to be constructed differently rather than simply built without the extra layer.
The clue is in the cloth chosen. Linings are smooth, closely woven, light and slippery. Those are not decorative properties. They are the specification for a low-friction sliding surface.
Slip is the main one
Try putting an unlined wool coat on over a chunky knitted sleeve. The wool grips the knit, the sleeve rucks up to the elbow, and you end up shrugging the garment into position. A lining removes that entirely, because the sliding now happens between two smooth surfaces rather than between two textured ones.
The same slip matters while the garment is being worn. Every movement of the arm drags the sleeve against whatever is underneath, and friction there is abrasion. It wears the outer cloth from the inside, stretches the sleeve, and pulls the whole garment out of position.
This is also why linings fail before the garments they are inside. They are the sacrificial surface. A jacket whose lining has split at the underarm or gone through at the elbow is usually one whose lining has done its job, not one that was badly made.
Protecting the seams and hiding the structure
Inside a tailored garment there is a good deal that is not meant to be seen or touched: seam allowances, canvas or fused interfacing in the fronts, shoulder padding, taped edges, the bridle along the lapel roll. Without a lining all of it is exposed to wear and to fingers.
Unlined and half-lined garments have to deal with that. Their seam allowances are bound, flat-felled or bagged, which is more work per seam and is one reason a well-made unlined jacket is not cheaper. The interfacing has to be chosen so that its wrong side is presentable.
A lining also stops the outer cloth from picking up the impression of everything behind it. Seam allowances show through thin cloth as ridges and interfacing edges show as faint lines. The lining holds both off the surface.
Linings are cut with slack built into them
Look at the back of a jacket lining and there is usually a pleat down the centre, tacked at the top and bottom, sometimes with an extra fold across the shoulders. That is not decoration. It is stored length, released when you reach forward.
The reason is that lining fabric has almost no give. It is tightly woven and often made from filament rather than staple yarn, so it will not stretch to accommodate movement the way a woollen outer cloth can. Cut to the same dimensions as the shell with no surplus, the lining becomes the limiting layer and tears at the armhole the first time you reach across a table.
Sleeve linings and hems tell the same story. A hem lining is normally attached with a small fold of ease so the outer hem can hang freely rather than being tethered. When a jacket hem rides up, or the back pulls into an odd horizontal line, a lining cut too tight is a frequent cause, and it is fixable.
Unlined, half-lined, and what you give up
A half-lined jacket has lining across the shoulders and back where movement and abrasion are worst, and leaves the lower body open. It is a genuine warm-weather compromise rather than a shortcut, keeping the slip where it is most needed while losing a layer over the torso.
A fully unlined jacket is cooler, lighter and drapes more softly, because there is nothing behind the cloth adding body to it. What you lose is structure. Unlined tailoring leans much harder on the outer cloth itself and will not hold a defined shape in the same way.
There is a trade in materials too. Cupro and viscose linings breathe noticeably better than polyester and feel cooler against skin. Polyester is stronger, cheaper and shrugs off washing. That is a real trade rather than a case of one being simply better, though anyone who has worn a polyester-lined jacket through a hot afternoon will have a view.
When the lining goes first
Replacing a lining is one of the more worthwhile repairs available, because the work is largely independent of the outer cloth. A tailor can put a new lining into a coat that has years of wear left in it, and the result is a garment functionally renewed from the inside.
It is not trivial work and it is not cheap relative to a cheap garment, which is the honest limit on the advice. On something poorly made it will cost more than the coat is worth. On a good coat it is among the best value in the whole business of clothing repair.
Common questions
Does an unlined jacket mean lower quality?
No. Unlined and half-lined jackets are deliberate warm-weather constructions and often need more careful finishing inside, since every seam allowance has to be bound or enclosed. What does indicate corner-cutting is an unlined garment with raw overlocked seams showing and no attempt made to finish them.
Why has my jacket lining torn at the armpit?
That is the highest-friction, highest-movement point in the garment, and the lining is there to take that wear instead of the outer cloth. It is normal after enough use. A tailor can patch or replace the sleeve lining, and having it done early stops the tear spreading into the armhole seam.
Should I choose a viscose or a polyester lining?
Viscose and cupro breathe better and feel far more pleasant in warm weather, but they are weaker and can be damaged by heavy sweating over time. Polyester lasts longer and washes well, at the cost of feeling clammy. For a summer garment the breathability is usually worth the shorter life.
Tara has written about fit, fabric, care & repair for most of the last decade and prefers a plain explanation to a clever one.