"Why do you always bring this jacket, even though you don't wear it?" she asked.
"I bring this jacket because you said you liked it. Because we bought it together, so it's something special for me. And... If you are cold, you can always wear this jacket," is what I meant to say
, but instead I said, "I bring this jacket as a precaution, if my shirt gets
wet or dirty, I can cover it with my jacket."
And now I regret not saying what was on my mind.
Other than punctuation and capital letters the only bits I've changed are those italicised. You're reporting speech, and speech is not always grammatically correct, what's important is that it sounds authentic, and it does.
Btw, ignore Dalehileman, he likes leading people astray on grammar threads, he doesn't use correct grammar himself, a lot of his posts are garbled and confusing. He uses his own peculiar acronyms and abbreviations and he thinks he's being funny.