I hate to say it, but I think you'r emore right than I am... But still not entirely.
I went back and checked, because I knew you were forgetting some things, and I didn't want to rely entirely on my memory of how out-of-place the Jedi-taking-off-their-cloaks-to-fight moments were fo rme...
Phantom Menace is actually pretty good about it. They keep their robes on all through -- gas attack, fighting droids, etc. They only shrug out of their robes when they go up against Maul, in a very deliberate move. I don't necessarily
agree with leaving them behind, when they can be used in combat, but.
AOTC sees Obi-Wan and Anakin shed them while watching over Padmé while she sleeps. I do have a problem with that. Previously, Qui-Gon and Obi-Wan pretty much establish that they keep those on while "on duty" and only ditch them
in extremis. Taking them off in Padmé's apartment feels overly familiar if they're supposed to be on duty. They have them off through all the ensuing action, only having them on again next morning when reporting to the Council. Anakin packs his when he goes incognito to act as Padmé's bodyguard, but puts it on again once they reach her family's lake house. Yay for symbolizing he's "on duty" again. Which sort of implies he
isn't when he doesn't have it on for the meadow scene and the soooooper-awkward fireplace scene through to the following morning. He has it back on again on Tatooine and keeps in on all the way through finding his mom, killing the Sandpeople, and bringing her body back, only to have it off when he's puttering in the garage after. He has it on when they bury his mom, off during the trip to Geonosis, on all through the fight in the droid factory... Obi-Wan has his on throughout -- flying, fighting Jango, all of it -- until both lose them when they're captured. It's mostly a good indicator of Anakin's emotional state, but I have a problem with Obi-Wan taking his off while they're supposed to be guarding Padmé, as I said.
In ROTS, they have them on while flying their fighters and boarding the
Invisible Hand, only to both take them off when going up against Dooku (who doesn't). So a repeat of going up against Maul. They apparently earned a break after the rescue and "landing", because they don't get new robes until the following morning. Then they both keep them on until almost halfway through the movie, when Obi-Wan leaves for Utapau. Anakin has gone casual visiting Padmé and getting tetchy about Obi-Wan having been there. Speaking of whom, when he gets ready to drop in on Grievous, he takes his off again, as with Maul and Dooku, before. He doesn't regain it before Order 66. Meanwhile, Anakin has his back on while he's being all moody and becoming Vader. Obi-Wan gets one again when they land on Coruscant. Until they both take them off again to go up against each other. I'm guessing Threepio tidied up after they left, given Obi-Wan has his cloak again after the twins are born.
Obi-Wan, of course, keeps his cloak on all through ANH, except for the scene in his hut.
In Jedi, Luke has his on for all of two minutes, flinging it off as soon as he falls into the rancor pit. But mainly I was looking at the practices of the main Jedi characters when they were still an active thing. I find it interesting that those few moments when they so formally take them off to duel a significant opponent leap out at me as feeling "wrong". But you make a good case for the formality of dueling here in Reality-Land™. I think that could have been better conveyed. And I wish they'd found a better way to manage stunts and flowing robes than taking them off (or clipping them to the boots).
