“Yet Rav Chaim Kannievsky says it’s better to daven biyechidus then without a hat and jacket”
“I still don’t believe R’ Chaim said that. And if he did, he meant in a community where not wearing a hat and jacket would be considered not being properly dressed for Davening. He didn’t mean somewhere where not wearing a hat is considered tolerable/acceptable.”
Sheailas Rav Chelek 2 6:95
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This doesn’t necessarily mean that your chiluk is not true – I’m just giving the source that R’ Chaim Kanievski said it.