And this time, "I'm wearing" vs "I wear" is correct because we're going for the equivalent idiomatic meaning and disregarding equivalent grammar?
Sure, that's the literal word-for-word translation, but that's not how we express this in English.
Pink, i know previous lessons had it as "on me" but they changed it to try to be more conversational. I keep getting tripped up over it for that reason.
The course developers can't code in all of the possible ways to say things, so they tend to stick with the standard phrasings. If you think your way is widespread enough, you can always flag it and select "My answer should be accepted".
I would. If yer ma asks you if you're cold, you might reply 'Nah, sure I have a coat on, Ma'. I am from the north of Ireland; maybe it is not something people say where you are from.